23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my ( XXXX  XXXX - XXXXXXXX XXXX XXXX XXXXXXXX ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Debt collection

This debt is not mine and I am disputing it in its entirety. I am requesting debt validation. 
The letter I received doesnt include a date that shows when it was written or sent to me. According to 12 CFR Part 1006.34 ( c ) ( 2 ) ( vi ), they were supposed to provide me with the itemization date / transaction date and they did not. The letter does not specify what the alleged debt is for, how it was calculated, or shows any proof that debt is in fact mine. ( See attachment ). 
Once again, I am requesting proper debt validation along with the name and address of the original creditor. 
A letter has been sent to this company via certified mail and has been received.
Product: Debt collection

I went to the Hospital and I got medical care and they didn't bill my insurance like they should have.I would like t know why is this on my credit report.If they had billed my insurance provider.They would have gotten their money.I don't think I should have to pay this debt.Since this debt should have been paid through my insurance provider.I am requesting an itemized report and an full investigation into this serious matter before I sue this collection agency and XXXXXXXX XXXX.If this is not resolved with 30-45 days.I will file a lawsuit against the hospital and the Collection agency.
Product: Credit reporting or other personal consumer reports

I I have found some information that is inaccurate on my credit report. You are reporting a late payments on ( XX/XX/year>, ) and ( XX/XX/year> ) on the account ( XXXX XXXXXXXX XXXX XXXXXXXX # XXXX ). 
This is not true, I was never late. I request that you verify the information and update the payment history on this account as PAID, NEVER LATE immediately. Also provide proof of bank statements from the original creditor that provides proof of late payments and if that can not be provided I demand this account to be updated to never late.
Product: Debt collection

It has come to my attention XXXX XXXX XXXX is illegally reporting to my consumer report without my consent or validation of a debt being owed in accordance to 15USC 1692g. This required by all debt collectors after the initial communication in regard to a debt. I have filed the appropriate FTC identity theft report and attached it below. This information is required to be blocked upon 4 days of receipt of this notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I file documentation regarding to that unknown and inaccurate account I found on my credit report. It's been more than 30 days now since I've sent it but I haven't received any response yet. I was stress. I am a victim of Equifax Identity Theft. Delete ASAP those accounts or I will file a litigation!.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a loan on XXXX XXXX to see what my options were without affecting my credit. I was suggested a company called Lendmark financial while on the phone with them I was just inquiring about a loan and did not want my credit pulled. I looked up companies that did soft pulls without applying for a loan and they were one of the companies that came up. After speaking to the representative they told me I could see how much I could get approved for without a hard credit pull, because I was very specific I did not want a hard credit pull. I hung up from the representative and after discussing with my wife I did not want the hard inquiry on my credit report. About 30 minutes later the representative had called me and told me my credit had already been pulled.
Product: Credit card

Got a message alert that my phone number had been changed that if I had not done to contact them ASAP with their contact number. Logged into my account my phone number was still the same but noticed my account had been closed and another one opened so I contacted them at the number provided and they could not help me with the new account gave me another number I 'd have to call M-F. They did check my phone number and said it had not been changed. This being WELLS FARGO at their best again switching accounts on you possibly and no notice to the customer as to what is going on. They need to be stopped from this kind of activity. Will try to call the other number this week
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXXXXXX XXXX  This account was purchased by this person, as person is defined by the Fair Credit Reporting Act. I do not have a contract with XXXX XXXX and it's subsidiary XXXX XXXX XXXX XXXX. I was not provided the original contract, I signed in agreement as I requested, as this account was purchased. The account contains multiple errors in reporting pursuant to 15 USC 1681 ( e ) ( b ). In accordance with the Fair Credit Reporting act. The account listed below has violated my federally protected consumer right to privacy and confidentiality pursuant to 15 USC 1681. 
XXXX XXXX XXXX : # XXXX has violated my consumer rights. 

15 U.S.C. 1681 section 602 ( a ). States that I have a federally protected right to privacy.

15 U.S.C. 1681 section 604 ( a ) ( 2 ). States a consumer reporting agency can not furnish information contained in my consumer report without a written statement of permissable purpose.

15 U.S.C. 1681c ( a ) ( 4 ) ( 5 ). States, except as authorized under subsection ( b ), noconsumer reporting agencymay make any consumer report containing any of the following items of information : ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

( 5 ) Any other adverse item of information, other thanrecords 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.

12 CFR 1006.34 1006.34 Notice for validation of debts.

( c ) Validation information.Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information.

( 1 ) Debt collector communication disclosure.The statement required by 1006.18 ( e ).

Official interpretation of 34 ( c ) ( 1 ) Debt collector communication disclosure.

( 2 ) Information about the debt.Except as provided in paragraph ( c ) ( 5 ) of this section : ( i ) The debt collectors name and the mailing address at which the debt collector accepts disputes and requests for original-creditor information.

This account has been extremely damaging to my livelihood, and general mode of living. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am not able to receive the necessary financing because of the hindrance of this account. This is directly effecting the livelihood of my family, and is in direct written violation of the Fair Credit Reporting Act.
Product: Debt collection

Fair Collection & Outsourcing ( FCO ) placed an account ( XXXX ) on my credit reports in the amount of XXXX and sent me an offer on XX/XX/XXXX of XXXX to clear up this account. The first violation was that they placed this alleged account on my credit reports before they notified me in writing. On XX/XX/XXXX I requested validation of the alleged debt, with the foloowing : statemement which matches the balance being claimed, list of charger from the orginial creditor ( updated as of XX/XX/XXXX ), Proof that they are licensed and bonded as a Collection Agency in Maryland, when was the aprtment released. We never received all of the information requested ( see attachments ). XXXX stated that XXXX in there client but I contacted them and they said they have a new owner as of XX/XX/XXXX and any accounts prior to that is no longer there and to contact the Collection company. FCO is trying to collect on an alleged account that is Past the 3 year Statute of Limitation of debt collection in Maryland. The lease is n't signed with my signature by with a generated signature by has a signed signature by the apartment authorized representative. So if I was presented to receive keys then why is n't my signed signature of this document? And the statement has charges for rents in advance which is a violation if the apartment was released during that time. I pointed all these items out to XXXX with FCO. He stated that they received this alleged account on XX/XX/XXXX but its reporting on my credit reports as XX/XX/XXXX, he stated that they didnt start reporting it until XX/XX/XXXX but they started reporting it in XX/XX/XXXX which is violation. FCO has proof from a previous account with them XXXX that shows my signature and that I was living in another apartment at the time of this alleged lease.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my consumer report and noticed information listed there by XXXX XXXX XXXX that was not authorized by me.
Product: Credit reporting or other personal consumer reports

XXXX has allowed in accurate information to remain a consumer credit reports and proper reinsertation sham investigation has failed to follow the Fair credit report act per fcra by not connecting reasonable investigation into consumer disputes after several attempts.

According to the fair credit act fcra section 605b it is illegal to report information on my credit report without my permission please remove this item from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX Dear Sir/Madam, I am submitting this complaint to formally request, under FCRA 605B ( 15 U.S.C. 1681c-2 ), that both XXXX and Experian credit reporting agencies block the fraudulent information on my consumer credit report resulting from identity theft and fraud. This information must be blocked within four business days of receiving this complaint.

The fraudulent accounts in question include : 1. A personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX, under account number XXXX. 
2. A collections account opened at XXXX XXXX XXXX on XX/XX/XXXX, under account number XXXX. 

Due to the negligence of the entities responsible for protecting my personal information, my financial integrity has been compromised, restricting my access to better financial opportunities. This situation has severely affected my mental health and placed a significant strain on my family life. 

I have attached a list of the fraudulent accounts related to this, along with a copy of my FICO credit report showing the fraudulent items. I do not recognize these accounts or collections, as they were not opened or authorized by me. All the accounts and collections mentioned are the direct result of identity theft and fraud. 

Additionally, I have attached a copy of the FTC Identity Theft police report to further substantiate my claim. 

Please block this inaccurate and fraudulent information from my credit report at your earliest convenience to prevent further harm to my financial standing. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

Citi bank has made two grave financial errors on my account the first being them providing too much credit for a dispute and the second allowing the account to be overdrawn causes 4 overdrafts and related fees
Product: Money transfer, virtual currency, or money service

I filed a claim for unathorized transaction which i also have a complaint about already filed with CFPB, now as of today im owed a provisional credit and chime refuses to provide it to me. They closed my account and all they respond with is that my account is closed please see the deposit agreement. My claim is for over {$5000.00} so its not like its spare change. It was my savings. Chime closed my account and is refusing to reopen it so that i can have full use of my provisional credit seeing it falls under Reg E.
Product: Credit reporting, credit repair services, or other personal consumer reports

Once again I notice Erroneous and Wrong information on my credit reports regarding the account of XXXX XXXX Bank .... See attachment!!! 

On XXXX they report : " Times 30/60/90 days late '' 0/0/0 ( 0 ) late payments On Equifax they report : " Times 30/60/90 days late '' 5/1/1 ( 7 ) late payments On Experian they report : " Times 30/60/90 days late '' XXXX ( 8 ) late payments, but see experian pic attachment, they said I have 9 POTENTIALLY NEGATIVE MONTHS. 

I request that this account to be remove from all my credit reports immediately due the fact XXXX XXXX is reporting inaccurate and inconsistent information on 3 different credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax are both reporting 60 late payments on my student loans which is not correct information. I contacted both student loan company 3 times and XXXX and Equifax they have not taken care of the issue even after I submitted the notice I received back in 2016 on my student loan forbearance. From XXXX 2016 until XXXX  2016 over 14 accounts are showing up late and it’s hurting my credit profile. I’ve called both customer service, disputed online, and sent letters to both XXXX and Equifax. Credit report still shows no update to this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

In late XXXX, I cancelled our mobile phone service with XXXX XXXX. We paid our final bill to zero. We began using XXXX XXXX XXXX in XXXX of XXXX. 

XXXX XXXX CONTACT INFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX ) XXXX A couple months later, I received a bill from XXXX attempting to charge us for an early termination fee. $ XXXX I called XXXX and told them our contract had expired many, many years ago. They attempted to tell me that I signed a new contract later. Knowing I had not done so, I asked them to send me a copy of the signed contract. They did not. I have repeartedly requested proof that they confirm I signed a second contract with them. 

We were clients of XXXX in XXXX. We closed our account XX/XX/XXXX. We transferred our service to XXXX XXXX XXXX in XX/XX/XXXX. XXXX chased us for this false debt for 3 years. In XXXX they turned the account over to collections agency, XXXX XXXX. 

XXXX refuses to supply proof of their allegation and simply keep reaffirming the false re-age date, XX/XX/XXXX that coincides with when they turned the account over to XXXX XXXX XXXX. 

Since then, they continue to tack on late charges and report the account as defaulted in the amount of {$280.00}. 

There are two issues. 
> We never owed this false charge because we never signed another contract ( which they refuse to supply proof of ). 
> They are reporting this late charge with the fake re-age date of XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I was really upset to discover unauthorized inquiries on my credit report this evening, and I have no idea how they got there. As I regularly check my credit report, I was shocked to find these discrepancies. I even tried refreshing my browser, hoping it was just a glitch, but the unauthorized inquiries remained. I am requesting a thorough review of the documents I've provided so that I can put this concern to rest once and for all.
Product: Money transfer, virtual currency, or money service

Made a wire transfer of {$15000.00} transferred on XX/XX/2018 and it has not yet posted on my account. I tried multiple times and the company has not responded. It is on Coinbase through their XXXX platform. 

Case ID : XXXX
Product: Credit reporting, credit repair services, 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 confidentially under 15 USC 1681. 

Account Name : XXXX, Account Number : XXXX, has violated my rights. 
Account Name : XXXX XXXX, Account Number : XXXX, has violated my rights. 
Account Name : XXXX XXXX XXXX, Account Number : XXXX, has violated my rights. 
Account Name : XXXX XXXX XXXX, Account Number : 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 an 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 items of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 9A ) ( 10 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. 
Experian, XXXX, and XXXX are report some or all of these accounts inaccurately. These inaccurate accounts are preventing me from obtaining a XXXX XXXX clearance, purchase a new vehicle so I can travel, credit cards, and the ability to obtain employment. Over XXXX credit disputes have been filed with Experian, XXXX, and XXXX in an effort to resolve this situation. 

XXXX XXXX XXXX Account Number : XXXX information being reported by Experian does not match the information being reported by XXXX and XXXX. No late payments are listed by XXXX or XXXX. Experian shows multiple late payments. The account was closed because XXXX XXXX purchased XXXX XXXX XXXX. We have not been late on mortgage payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get this derogatory off my credit report for months. I have sent in 5 disputes, and nothing is being done. I have sent in proof that I myself are submitting the request to have this removed. I have filled for a full file disclosure and never received it. 

The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ). The financing associated with students education is part of their records and should be maintained private according to this law. Client did not opt in at any time for the bureaus to report their student education records.
Product: Debt collection

Literally every single day for the past four months, I have received a call on one of my phone lines XXXX XXXX and XXXX ) from Portfolio Recovery Services. When I answer the call, the person on the other line either disconnects the call or asks for XXXX XXXX. While my name is XXXX XXXX, I am not the person they are trying to reach. They are trying to reach my father who has the same name. I tell them this, and they assure me they will remove them numbers from their database. And then the situation repeats the next day. 

Each time I conclude one of these calls, I block the phone number they called from, but it does no good because they call from a different number the next day. To date, I have blocked a total of 133 numbers from 19 different states between two phone lines. I sincerely doubt that Portfolio Recovery Services has operations in 19 states across the country, so this in and of itself is deceiving. 

I want both of my numbers removed from Portfolio Recovery Services database and the calls to immediately stop. There is simply no excuse to harass someone on a daily basis, calling from a different phone number each time so that the person on the receiving end of these calls is essentially left to suffer the continued annoyance. And Im not even the person theyre trying to reach!
Product: Credit reporting or other personal consumer reports

Knowingly lying, making false statements or concealing vital, significant and pertinent information, data and/or book entries can, may, and will imply that you admit you are secretly engaging in the practice of scamming people, extorting people, and deceiving the people and you admit that this is true and correct if you do not honor this request.

" Whoever, having taken an oath before a competent tribunal, officer, or person, in any case in which a law of the United States authorizes an oath to be administered, wil
lfully and contrary to such oath states or subscribes any material matter which he does not believe to be true, is guilty of perjury and shall be fined no more than {$2000.00} or imprisoned not more than five years or both. '' 18 U.S.C. 1621, 18 U.S.C. 1001
Product: Checking or savings account

On XX/XX/2021 I was charged {$1200.00} by XXXX that I did not do or authorize. I haven't purchased anything. My XXXX account has been closed for a while now. I contacted Bank Of America and they denied my dispute for some reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information showing on my credit report. XXXX XXXX  is showing 2 loans on my XXXX  XXXX {$29.00}, XXXX and {$30000.00} with same open dates of XX/XX/2015. I have request that document showing proof of either loan with signatures or picture ID and/or Promissory Note. After several phone calls Neither have been received Nor have these items been removed form my XXXX  or Experian credit reports.
Product: Credit card

I have a Synchrony Bank card for Lowes. My credit limit is only {$1000.00}. I have no interest for 12 months. I have had the card less than 12 months and made XXXX payments. Latest payment was XX/XX/24 in the amount of {$84.00}. The paper mailed bill has the pay before date of XX/XX/24. When I requested why my account was closed but the bank is still calling daily and leaving voicemails for me to call and become current. I. am current! I have no intention of paying the remaining balance until more information is provided or lawyers become involved. I am at a lose on how a bank can cancel a store card when their own due date was met with the minimum payment but decided to close the account with no explanation and still harassing the account owner daily for additional payment. 
Remaining balance {$690.00}. 

If there is some assistance for the following to ensure the bank did not act unlawfully at the discretion of personnel regardless of financial laws Account #