23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I received a job offer from XXXX XXXX XXXX and they said my onboarding task was to deposit a check. So when i did as they asked, the check was put on hold and now my account is restricted and i have to go to work and school tomorrow with no gas.
Product: Credit reporting

I purchased XXXX new cell phone at XXXX XXXX ( XXXX XXXX, Ga ). Two months later I found out that XXXX XXXX opened up XXXX cell phones numbers under my name because of a collections notice that I received. I went to best by twice to resolve the issue. The first time the XXXX representative spoke with XXXX in front of me and stated that the issue will be resolved and it wo n't change my credit. Three weeks later I found out that it did get reported to my credit as an account in collection. I am currently seeking gainful employment and this will have adverse effects since i 'm in law enforcement. The XXXX XXXX managers name is XXXX XXXX ( XXXX, and he stated that he would repeat the process that was already taken the first time. He also refused to acknowledge the situations in writing. I have an interview for a federal position in a few weeks and this issue defames my image severely Thanks, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I disputed this on my account multiple times on my credit report, and it still shows the account " Account Not Disputed '' which is a violation of the law. 

XXXX XXXX - XXXX please provide proof I was late on this account by sending over bank statements from the data furnisher or else I was never late. Send over everything, NOT JUST THE BILLING STATEMENTS. XXXX relevant case that addresses the obligations of CRAs is XXXX v. XXXX XXXX XXXX XXXX XXXX, where the court held that simply sending billing statements does not suffice as proper verification of a late payment. And tell me the method of investigation you used : 1. Who did you speak to? 2. What was the method used to verify this account? 3. What is the name of the person and what time did you speak to them? 4. Was a XXXX form used or was this through electronic automatic dispute verification? You have 15 days to respond
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agency EXPERIAN has been informed of INACCURATE INFORMATION currently being furnished on the consumer credit report belonging to the consumer XXXX XXXX and has failed to comply with Federal Law and the requirement to only furnish information on a consumer report in accordance with the written instructions of the consumer to whom it relates pursuant to the Fair Credit Reporting Act section [ 15 USC 1681b ( a ) ( 2 ) ]. As a Federally protected consumer, I have provided specific written instruction to EXPERIAN in regards to the personally identifiable information authorized to be furnished on my consumer credit report which was delivered on Saturday XX/XX/2022 at XXXX by way of USPS XXXX XXXX Mail XXXX XXXX  XXXX XXXX XXXX XXXX. EXPERIAN has failed to comply with this direct consumer request, and is now willfully and deliberately reporting INACCURATE INFORMATION on my consumer credit report in violation of Federal Law under the Fair Credit Reporting Act [ 15 USC 1681b ( a ) ( 2 ) ] for failure to furnish information in accordance with the written instructions of the consumer to whom it relates. It is hereby required under Federal Law that this agency immediately remove or delete the following unauthorized personally identifiable information : UNAUTHORIZED ADDRESSES : XXXX. ) XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX. ) XXXX XXXX XXXX PL XXXX, IN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S. Code 1681a - Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.

( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

( c ) The term consumer means an individual.

( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ;
Product: Credit reporting, credit repair services, or other personal consumer reports

PNC has not reported my payment status correctly for months. I explained that I had XXXX  and then I submitted a form for automatic payments. They didnt accept the payment method and sent me a ridiculous letter, that I never received. I heard about the letter once I called the bank after my account was not debited. This bank is falsely reporting against my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am writing because I am seeing XXXX Accounts with # XXXX on my Experian credit report. I have requested for verification and validation and XXXX has someone else personal information, not mine. All XXXX  accounts are inaccurate and pursuant to 15 U.S.C 1681 and Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions15 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. For these mentioned reasons Experian is required to report 100 accurate information, because XXXX furnishes inaccurate information it must and should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS.
Product: Credit reporting or other personal consumer reports

Experian as failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved, the consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against a spirit? Esperien alleging systematic issues such as failure to forward consumer provided evidence to furnishing unreliable responses and failing to adequately notify consumers of disputed outcomes these failures align with my experience with experience has neither corrected nor remove disputed items. Despite the evidence I have provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experien inaction violates federal law and my rights as a consumer.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

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

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

XXXX XXXX XXXX amount {$4700.00}. I was XXXX XXXX and was put on reassignment and submitted my XXXX XXXX to the leasing office and they still gave me a balance of my remaining lease. XXXX XXXX XXXX XXXX XXXX {$3900.00} I was XXXX XXXX and was put on reassignment to XXXX  and submitted my orders to the leasing office and they still gave me a balance of my remaining lease. XXXX XXXX XXXX XXXX receive the property and reported it to collections with a balance of {$4100.00} which I was told, all was needed was to collect the property. Ive been reaching out since XXXX for theie actions to be corrected and no response. 

All companies did not honor my XXXX XXXX and have been harassing me to pay a balance that is not legal. Since then, date have been updated on those XXXX accounts which I have reach out to them multiple times to dispute.
Product: Money transfers

On XXXX in XXXX, Florida, I gave Western Union {$330.00} to transfer to my wife in XXXX XXXX, XXXX. I provided detailed information and identification documents on myself ( transmitter ) and my wife ( receiver ) .Today is XX/XX/XXXX and Western Union has not delivered the funds or reimbursed me in spite of numerous phone calls and requests on my part. I have sent money to my wife and daughter through Western Union many times before with no problems.Their contract states that I have a right to a refund within 10 days, but they refuse to return the money. Western Union has caused my wife and daughter financial harm.
Product: Credit reporting or other personal consumer reports

Trans Union, XXXX and XXXX are ignoring my requests to investigate, verify and remove accounts from my consumer credit reports that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  Equifax and XXXX  continues to PARROT unverified inaccurate information on my CR. CFPB the attachments confirms these accounts are inaccurate and can not be verified. The reporting agencies identified are in violation of the FCRA. XXXX XXXX Reports charge off but performs a unrequested fraud investigation. I DID NOT REQUEST A FRAUD INVESTIGATION ON ANY ACCOUNTS THROUGH XXXX XXXX!
Product: Mortgage

XXXX XXXX talked with Bank of America customer service, Escrow account service. Received letter from B of A 1 required minimum balance XXXX.since XXXX up to XXXX, when escrow is short ( Insurance & Property tax mortgage payments increase each year to cover shortage, where is the XXXX and when is it utilized? I was forced to have escrow XXXX. I owed property tax XXXX. B of A demanded mortgage payment to include XXXX & XXXX property tax & insurance for the year, XXXX to be paid immediately, the total was over XXXX. 
XXXX B of A has not acknowledged payment of XXXX taxes increased amount or XXXX County has not sent a bill to show amount paid. I paid increase amount of Insurance and B of A sent total amount anyway and Insurance company send me a refund. 
Required minimum balance was not required, because XXXX with escrow accounting put in a request for me that XXXX is, was no longer required. It was approved. 
I paid the amount that would cover shortages for escrow. XX/XX/XXXX I paid XXXX. I have made these payments and B of A has not added them into the Escrow account or given me credit to keep the mortgage payment. This is the 2nd year I have made payments. The new payment for XXXX is XXXX giving no credit for these payments. 
I changed insurance company 's B of A paid both of them sending the computer figures back to an increase mortgage payment because escrow was short. 
MY COMPLAINT MORTGAGE PAYMENTS SHOULD NOT INCREASE, no required minimum bal. .Also B of A has not sent me any monies my escrow account closed XXXX with a bal of XXXX and the payment deductions are inconsistent. 
XXXX XXXX XXXX XXXX XXXX XXXX B of A has not sent letters acknowledging the dismissal of required minimum bal, or a letter to XXXX county about the payments of tax increase.
Product: Credit reporting or other personal consumer reports

I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ).

A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX incorrectly reported to at least 3 credit bureaus ( Experian, XXXX and XXXX ) that I owe XXXX {$240.00} on an account that was closed in spring XX/XX/XXXX. I owe XXXX nothing, and disputed that balance to XXXX and to each of the credit bureaus. The credit bureaus have failed to correct my credit history, so I continued to try to resolve the issue with XXXX. Most recently, today on XX/XX/XXXX, I spoke with a XXXX Customer Service Representative named XXXX, who looked through my account notes and confirmed that 1 ) I requested account closure as early as XX/XX/XXXX, and 2 ) XXXX did not actually close my account until XX/XX/XXXX. He also confirmed that XXXX had incorrectly billed me {$10.00} more per month than what I had signed up for. That billing discrepancy was the original basis for my desire to cancel my XXXX service : XXXX had falsely represented my monthly service would be {$49.00} per month, but instead charged me {$59.00}. My exasperation with XXXX 's billing practices in violation of my contract precipitated my request to close the account. XXXX then dragged its feet on account closure so it could keep piling on charges and fees for 3 more months. I paid the legitimate balance in XX/XX/XXXX, but refused to pay any more of XXXX 's illegitimate charges. Finally on XX/XX/XXXX, XXXX discontinued my service. None of the remaining charges on my account are legitimate. Today the first Customer Service Representative, XXXX, said he was unable to reverse any of the charges. I asked to speak with someone who could, so he connected me to his supervisor, XXXX XXXX. She reviewed my account and the months of notes, and concluded that my account should be credited {$110.00}. She said the corrected balance would be reported to the credit bureaus. However she said XXXX would continue to charge me a purported {$130.00} " early termination fee. '' She said it was pursuant to my contract, which I disputed, particularly since I never received a written contract. I explained that even if I was under such a contract, XXXX had breached the contract by ADMITTEDLY overcharging me every month, so I should not be charged a fee for getting out of a fraudulent contract and billing scheme. XXXX and the credit bureaus should not be permitted to extort such illegitimate payments from me or any other consumer. I discovered this credit reporting issue while applying for a mortgage. My first loan application was rejected due to this erroneous information the credit bureaus accepted without question from XXXX. I will have to pay a significantly higher interest rate to secure a mortgage. I have also been turned down for 2 credit cards since the credit bureaus accepted this false information and added it to my credit history. This erroneous credit blemish also harms my ability to apply for jobs and rental housing. This extortion by Experian, XXXX  and XXXX on behalf of XXXX is therefore costing me a lot of money and reputational damage.
Product: Money transfer, virtual currency, or money service

I would like to get reimbursed for the reported transactions
Product: Student loan

PEAKS private loan is the company XXXX tech has signed me up for and they have loans that are nowhere as big as the federal loans, total amount of private and federal is over XXXX, but cost almost double what the federal loans do. When checking the interest I found it was much higher than the other federal loans I have and was never told that Peaks was the company that they went through and was not even aware until I got a notice that my student loans were all consolidated for me even though I do not have a copy of any paperwork stating that I wanted them to do it. I was rushed through signing every student loan document in the school and most of the time they had already filled them out for me without me even seeing stating that I would be expelled if I did not sign it that day right then. I had no time to go through the paperwork due to the pressure from the financial department and the threat leveled against me. PEAKS, from what I have read, is part of the complaint against XXXX XXXX and was sent here from another website stating that this information should be presented.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022, to remove these accounts that are inaccurately reported. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$530.00} XXXX XXXX Balance : {$0.00}
Product: Debt collection

I have not received any written communication about the debt. I receive texts from the original establishment telling me about a balance and I believe the dates are incorrect. Also, they have not labeled it medical debt after several attempts to when it clearly states that it from a hospital.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I've been sending dispute letters since XXXX of 2020 asking for an investigation in regards XXXX XXXX reporting inaccurately on my credit report. Over 5 letters have been sent and I haven't received any results or any notification that this account has been investigated. This account is still reporting inaccurately on my credit report and it is damaging to my credit profile.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX XXXX 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 2682 section 604 A section 2 : it also states consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I received a call this evening XX/XX/year> at XXXX and XXXX XXXX  attempting to collect a debt. 

Its Caine & Weiner. They call repeatedly
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested multiple investigations ( XX/XX/2018, XX/XX/2018, XX/XX/2018 ) into the accuracy of account : XXXX/XXXX and after reviewing my credit reports provided by the Experian, XXXX and XXXX, account, XXXX/XXXX XXXX is still being reported inaccurately and was never properly verified or investigated. Per Experian report dated XX/XX/2018, payment status reported me as current, was past due 150 days. Then on credit report dated XX/XX/2018 after requesting a proper investigation to verify accuracy of account, they report, again that I was current, was past due 150 days. Then on XX/XX/2018, Experian reports, I am current, was past due 180 days. Which one is it? How they report that an item was verified to OUR company that the current status is being reported correctly when the payment history is NOT correct, on ( 3 ) separate months? Nor is there an account balance being reported according to Equifax. These CRA 's are in violation of 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] therefore I request deletion of this account. Please see attached proof of the data being provided by these CRA 's that are NOT accurate!
Product: Credit reporting or other personal consumer reports

I admit I was late 4x in 2023 they have me late 5x and my balance of {$660.00} was fully paid on XX/XX/2023 the card is locked they won't let me reuse it but they still want to report to my credit bureau I wrote to them on email that I don't want there services to close my account and stop reporting mis I formation to my credit report agency they don't respond..and other issue is they are reporting a duplicate account of the same but instead of a {$0.00} balance again they claim a balance of {$660.00} and are marking me late again I only had 1 account with them and I paid it all. now instead of me having 4 latest I'm being reported wrong Information 5 latest on 1 account t and 6 latest on the other account its hurting my credit and credit report they have no active number only XXXX they don't have representatives only to write emails I have no issue with XXXX XXXX XXXX its just transunion and they have verified that XXXX  is reporting 2x that a fraud account if that's tru and I should have the right to officially close that account which I have requested and they don't want to honor also the account that has a XXXX balance states my last payment was XX/XX/2023 that's also wrong my last full payment to bring balance to XXXX was done on XX/XX/2023 XXXX