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

I am writing to dispute the following items on my credit profile. I have noticed that your company was sued by the CFPB for unlawfully failing to properly investigate consumer disputes. The CFPB alleges that XXXX does not take adequate steps to intake, process, investigate, and notify consumers about disputes, leading to incorrect information on credit reports. This inaccurate or false information can jeopardize consumers access to credit, employment, and housing.

Additionally, I have learned that your company has a reputation for informing consumers that you will not investigate accounts if they have been previously investigated. It is now evident that these investigations were not conducted properly. I am demanding that you reinvestigate these items and ensure that any inaccurate information is removed immediately.
Product: Credit reporting or other personal consumer reports

I have sent requested information for this company a number of times. However, they keep sending back information as verified with no consent from me. I have sent them letters from the court saying they do not verify information. I did not verify and I opt out and have opt out of any third party using or sharing my information. Yet, they refuse to remove the information I have requested a number of times and keep sending back the same information which is not verified. I have also found other errors on my report that have been updated and this bankruptcy information has not been removed as requested.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the hard inquiries on my credit report that were made without my knowledge or consent. I have thoroughly reviewed my credit report and found the inquiries, which I did not authorize.
Product: Credit reporting or other personal consumer reports

I just checked again my XXXX, Experian and XXXX credit reports and I can see accounts reporting inaccurately. Please see attached file below
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and concern over the ongoing presence of an inaccurate negative item on my credit report, despite multiple disputes submitted to your office.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, I sent a letter to the United States Bankruptcy XXXX XXXX XXXX XXXX Texas " XXXX XXXX Number # XXXX '' asking if they do in fact report bankruptcies to the credit bureaus and I got a reply stating the court ( does not report information to any credit reporting agency ''. So, if this is the case, how did the credit bureaus verify my bankruptcy as 100 % accurate? They never conducted a fair investigation according to 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items or information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights several times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 USC 1681 section 602 A. States I have the right to privacy. 

According to : 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

According to : 15 USC 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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX conspired with XXXX, XXXX, XXXX, and XXXX. XXXX 's. XXXX XXXX XXXX and many other third-party credit collection agencies an extension of my credit using extortion. Flagship Credit Acceptance is a financial institution and from the law standpoint, it has been made very clear that an alleged banking institution is prohibited from sharing, transferring, passing around, miss handling, trading, etc. under law 15 USC 6802, a banking or financial institution is supposed to communicate with the consumer to see if the consumer want their information shared with outside corporations or not. The Consumer shall have a choice to OPT out, however ; Flagship Credit Acceptance has ignored the law without consent from me as the consumer. The information had been placed on my consumer credit report without having a permissible purpose to do so. This is breaking the law, this is a violation of privacy about sensitive information that has been shared for profit with strangers. Also under law 18 USC 894 Flagship has conspired with each of these third-party corporations to steal my information and commit a crime against me as well as use my consumer credit report to threaten, and report derogatory information as a punishment when the law states that this is a crime to do so. 18 USC 894 says whoever knowingly participates in any way conspires to do so in the use of any extortion, it means to collect or attempt to collect any extension of credit or to punish any person for the nonpayment. There of should be a fine under this title or in prison not more than 20 years.

Conspire means someone who commits a crime, who secretly does something, who teams up with others. This has been the abusive behavior for several years on going today as Flagship Credit Acceptance has caused theft, sold my property, teamed up with the credit agencies which are all third-party debt collectors, and still reporting derogatory against my consumer credit even after the law has identified that can not be done. 15 USC 1681b- credit agencies are only allowed to furnish consumer reports to those who have a permissible purpose as defined by the FCRA . There has never been any written instruction given any permission to share my information. Lastly, 18 USC 1028 A-Flagship Credit Acceptance and each of these credit agencies are trading, passing around my private information for profit committing crimes of crimes against me as the consumer without lawful authority..
Product: Debt collection

My sister XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Texas died on or about XX/XX/2019. I am the XXXX XXXX of her estate. 

She had had a telephone ( cell ) through XXXX XXXX. I had tried repeatedly by phone and in writing XXXX XX/XX/2019 XXXX to tell XXXX XXXX that she had died. I included a copy of her death certificate. I used the address of XXXX XXXX XXXX XXXX ; XXXX, XXXX XXXX XXXX XXXX XXXX response was to turn the matter over to a collection agency, Professional Credit Service of XXXX XXXX XXXX XXXX ; XXXX XXXX, XXXX XXXX. They are seeking {$150.00} from her date of death to XX/XX/2019.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681., has violated my rights. 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. 
Delete the Following account : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent multiple requests this XXXX, but the accounts listed below are still reporting on my credit report and are violating Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues to report unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1700.00} XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$740.00}
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have XXXXcomplained times. The problem has not been resolved. my fico has me at a credit score over 719 XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 120 days straight with XXXX i spoke to a representative agent name XXXX and XXXX XXXX and XXXX and XXXX and XXXX and XXXX XXXX from the fraud department they don't help waste ever and lie saying that its been disputed but come to find out was never disputed which is causing me more XXXX I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution.next step is to take transition to court to sue for defamation of character of my name and damages that was caused to me They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 120 days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now. nobody helping me and I don't wan na live no more i cant get aproved for anything which is casing me even more XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I used my WesternUnion App to Transfer {$750.00} using the bank account option which the App states it can send faster and direct from my account to the person 's account. I had previously used the App in previous transfers but this was the first for the direct from bank option. Although it stated it was instant and secure, the recipient did not show money was in the account as WesternUnion stated. I cancelled the transaction on XX/XX/2020, thinking there was an issue as there had been delays with banks lately. My App showed the transaction was cancelled and I was to receive my {$750.00} refund within 7 business days. 

I later received an email on XX/XX/2020 from WesternUnion that they were cancelling and refunding me back my {$750.00} MTCN XXXX. After 7 business days I started calling and inquiring WestenUnion about not yet receiving my refund. I was told several times they were processing my refund and if I don't see it to contact my bank XXXX  XXXX XXXX. I contacted XXXX XXXX  XXXX and they stated they did not see it and sent me proof it was not received. I then contacted WesternUnion back and was told ok yes it is still being processed. By this time I had sent emails, XXXX messages and called about my refund. Each time I was told I would receive it. 
I finally filed a complaint with my bank and they denied it saying WesternUnion said it was a recurring charge which was not true. This was a one time transaction and should've been returned. XXXX XXXX XXXX is now stating there is nothing they can do and I have not been successful with WesternUnion to successfully receive my refund of {$750.00}.
Product: Checking or savings account

Back in XX/XX/XXXX I had a checking and a savings account with 5/3 bank. I had the checking account set up to automatically send a check out each month to pay a regular bill ( home owner 's association ). I would receive the rent check ( from the people renting ) and deposit it into this account each month to cover the mortgage and association. I had to move out and rented it out to try and keep it when I had no income and had to file a bankruptcy. Well when the rent was late one month, 5/3 still sent a check from my account when there were no funds to cover it without my knowledge. I still had XXXX sitting in the savings account with 5/3. I was never notified of anything and because I was n't receiving rent, I was n't using 5/3. Cut to XX/XX/XXXX when I was working in the mortgage dept of a credit union as a temp. When they offered me a job and i had to go through all of the hiring process. This is the first knowledge I had that 5/3 had submitted my name as someone who writes fraudulent checks to XXXX and then sells the " debt '' ( for a check I did n't write! ). For years now, I not only receive nasty phone calls and threats but they call people in my family and hound them and tell them they are filing charges against me to try to scare them. It is absolutely disgusting! I called and called and went into fifth third, to try and rectify this at the time that I found out about it. Needless to say that when I was desperate for a job, I was not hire-able and lost my job! I only got the run around from fifth third, every location told me to try a different number/ office and absolutely no one in the company could tell me how to escalate anything. It was an absolute nightmare! And it goes on and on! Even if i paid one of these people harassing me, I am told the only way it will ever be removed from XXXX is by fifth third and they will not do it because they do not own the debt anymore. Every time this debt is sold to someone else and they make a query on it, it renews for another 5 years!!!! These people will never stop harassing me and my family. I even filed a complaint with the BBB ( which is a joke ) and they did n't even bother contacting them!
Product: Credit reporting, credit repair services, or other personal consumer reports

For the second time, I have had to send the paperwork to Shellpoint to have me added to the loan. I was provided both times the paperwork from our family real estate attorney. I have to do work and spend time trying to get this done via phone call, via email to only never get a call in regards to this from supervisor or whomever is at the end of the loanservicing email. Now - after waiting 30 days, having to call multiple times to find out you're saying my LAWYER gave me the wrong papers, or just maybe you have them wrong. I don't. I want this loan to reflect my name and payment history. I want any and all loans reported correctly to all 3 credit bureaus. Also, as there has been money left over from all closings we've had, I am curious as to where my payments of 1/2 are. As I know legally they're issued to both owners- with an AND so therefore if my ex did anything improper, illegal- and you let him and executed this. Therefore- you both dud something illegal. I want my 1/2 of all monies to be sent via overnight delivery ASAP. I will be calling local authorities in regards to this complaint being sent today. I also requested how to have the deed corrected only to not be able to speak to anyone at all that knew how to do this - except of course for the only email they have, the good ol general loanservicing one that no one ever replies to. I have also sent my legal name change from XXXX to XXXX that was to be corrected on the loan and to be given my own pin as my ex wont give it to me. I have been waiting for weeks to get my " complaint call for a supervisor '' within 24-48hours to ever occur. 
In summary- I want my name, XXXX XXXX XXXX on the loan papers where I am listed first to be on the loan. Next, all loans to be reported to all 3 credit bureaus.I want 1/2 the monies owed me from all the closings that I never received my 1/2 of- which is to be done and is confirmed sent to both of us. I want legal ramifications on all of these issues both with my ex as well as Shellpoint. And finally, to get me into physical contact with someone from legal about correcting the title/deed. Otherwise, you can be informed at the next closing as a surprise- but I am trying to go about it the right way and advise you and have us do the paperwork together with my attorney at XXXX XXXX XXXX. 

I did try and attach the loan paperwork but the file was too large but I can send anytime requested.
Product: Credit card or prepaid card

Best Buy in XXXX XXXX, Ohio pulled my credit without my consent which resulted in an unwanted inquiry reported to the bureaus. During the purchase of a TV, the associate asked if I had a rewards card. She requested my phone number to search for it. She then told me that I needed a new card because the previous reward card had been closed. I told her that doesn't sound correct because I've never heard of a customer reward card being closed. She then stated she would get a new one. Shortly she said it was denied. I was shocked because it was clear that she ran my credit ( which was frozen due to a mortgage refinance ) and was misleading and she knew exactly what she was doing. I complained to the manager of the store who told me it was my fault. This store must commonly do this to seniors/veterans/ and people of color. I then went to pick up my new laptop and was told to wait because the clerk in the back was working on something more important. 

I've since returned the TV, but want that inquiry removed from my credit reports. This seems to be an unlawful act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a collection account on my credit file with all three ( 3 ) major credit bureaus and also submitted the requested information to the debt collection agency per their request and the negative account still incorrectly remains on my credit files.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis contuses to share a public record without my consent to the credit the reporting bureaus, when my LexisNexis report is frozen.
Product: Debt collection

In XX/XX/XXXX, I received several phone calls from Rash Curtis and Associates regarding a debt that I owed. I informed the people on the phone that there is no way I have any new debt and that this would have to be from over 10 years ago. I informed them to stop calling me or I will hire an attorney. The amount owed was {$590.00} dollars, which they are asking for over {$1100.00} dollars. I found out from the original creditor that this was from XXXX. This fell off my report in XXXX. Rash Curtis and Associates are trying to say that this is a new credit and re-aging my old credit. I have emails from XXXX XXXX XXXX that state this is from XXXX. I also have an old credit report that shows who owned this before Rash Curtis and Associates. 

I have requested the 3 major credit agencies XXXX XXXX XXXX XXXX XXXX XXXX to remove this from my report. It appears they reached out to Rash Curtis and Associates to verify the account. My understanding is that XXXX XXXX has told them that this account is not re-aging and is committing fraud. I have filed several disputes to have this account removed from my credit report with no success. I have sent a certified letter with all of the documentation to all 3 agencies today, which cost me {$33.00}. 

All four companies need to do better with communication about re-aging debt, as this has been a very trying experience.
Product: Debt collection

I have been plagued with repeated calls from a debt collection company called Harris and Harris for close to a year. They call both of my land lines, often more than once a day, usually both line and a few times every week. Sometimes they ask for my son, who does not live here and is not connected to my address or phone numbers other than by last name. I have returned their calls and spoken with someone telling them that he does not live here and they need to find him on their own. If I see him I will give him the information but to stop calling me. 
To date, nothing has worked, I was called twice yesterday and so far once today. 
The phone numbers are XXXX XXXX and XXXX XXXX. 
Can you help please?
Product: Credit card or prepaid card

It started when I was booking reservations with American airline flight. While I was reaching the balance to pay an ad window came promoting a credit card application with CITI bank and receive {$300.00} discount on the balance and some free miles. I applied and approved instantly most likely because I had good credit score. However, the discount promoted was not applied to the balance instantly as it appeared in the ad window. When I came from the trip, I received the first statement. Reflecting the total balance with no discount. I called CITI bank customer service and was told it will be reflected next month or after the next, they said " sometimes it takes time to be applied and I should submit the monthly due. XXXX I did but months later I still never successfully any resolution even I requested investigation and bouncing back and forth between Citi bank and XXXX XXXX. Every time I called, I got the run around by Citi bank agents. This started back in XX/XX/2022. Current balance XXXX with added fees and interest which didn't plan on accumulating. I would have paid my total balance if it was should have been after the discount.