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

In accordance with the Fair Credit Reporting Act XXXX  account XXXX XXXX  Acct # XXXX, XXXX Acct # XXXX and XXXX XXXX XXXX  Acct # 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 instruction.
Product: Credit reporting or other personal consumer reports

I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Credit reporting or other personal consumer reports

the company, National recovery placed a negative debt report on my credit bureaus for {$550.00} that doesn't belong to me. I have never done business with National Recovery nor their affiliates. I reached out to request validation and they did not respond. I have since sent certified letters requesting validation and have received no response. This is not my debt and is negatively affecting my credit report They are in violation of the FDCPA and the FCRA and they should be held accountable by removing this from my reports immediately. I will also be filing a investigation with the XXXX  about this and may seek legal council if it is not removed.
Product: Money transfer, virtual currency, or money service

I provided my Chase bank account information to my XXXX XXXX so that the overage amount of my federal student loan could be wired to me to cover my living expenses for the XXXX The loan was processed on XXXX XXXX XXXX XXXX XXXX, I called Chase Bank to request a status inquiry on any pending wire transfers listed under my account. I spoke with a representative who confirmed that he could see the transfer information, and I confirmed the amount and the sender. The same representative assured me that there was no hold on the transfer, and that it would be processed the following morning. The next afternoon, it still had not processed so I called again, and was told it would be handled the same day XXXX XXXX XXXX XXXX, and not to worry. Due to the holiday, I was unable to reach anyone from Chase Bank on XXXX XXXX XXXX XXXX XXXX, I called Chase Bank again to request another status update, and I was informed that the bank had returned the wire transfer because I am not subscribed to one of their premium accounts and therefore Im not entitled to participate in an international wire transfer in any capacity. This information was never clearly communicated to me and the negligence of withholding that information has caused me, and will continue to cause me further financial harm. I am a XXXX XXXX XXXX and they are denying me access to my own student loans to cover my living expenses. The solution I was offered was to visit a chase bank branch and open an account with a higher monthly fee. This is not a viable alternative. My bank account is in the negatives and Chase has denied a payment to me that would allow me to pay my rent. This is unacceptable and I am looking for any solution.
Product: Credit card or prepaid card

I am a client of XXXX XXXX at family options. I went for a evaluation for XXXX that cost XXXX . I did three hours of talking with her but did not do the rest. I asked to be charged as such and she agreed. This was on XX/XX/XXXX. I have been fighting back and forth with my bank about if they have refunded me or not. I cant get in contact with the company about what happened either. I got misleading information from both sides. This was done on my XXXX XXXX card, and the location/ merchat is XXXX XXXX XXXX XXXX options at XXXX XXXX XXXX XXXX FL XXXX. Her phone number is XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXViolation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX ****Violation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXXViolation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX  XXXX XXXX XXXXViolation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXX ****Violation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX ****Violation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXX XXXXViolation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXX XXXXViolation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXX ****Violation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXX  XXXX ****Violation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXXViolation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXX under 15 U.S. Code S 1692e - False or misleading representations and should be removed.
Product: Checking or savings account

I received a flyer in the mail saying I would receive a XXXX bonus for opening a new checking account I just had to have 2 direct deposits of a XXXX or more in 60 days well I did everything on my part now they come up with excuse after excuse I feel mislead and there advertising is misleading.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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 XXXX have knowledge concerning any such items of 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. Investigations weren't completed as described by law and no factual information should be on credit reports. XXXX requesting the removal of accounts and/or monetary compensation due to violations of my rights. XXXX currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore XXXX requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute inaccurate information on my credit report. As per 15 USC 1681i ( 5 ), credit bureaus are required to modify or delete accounts that are not reporting accurately. However, after multiple attempts to start the investigation, XXXX and TransUnion have failed to remove public records listed on my credit report that can not be verified. 

I am requesting that all public records listed on my credit report be removed as soon as possible, in accordance with my rights under 15 USC 1681. Courts are not subscribed to or required by law to provide public record information to credit reporting agencies, and credit reporting agencies have a responsibility to report consumer information with the highest level of accuracy. 

I have never been late on payments for the accounts associated with the public records listed below : Lending Club : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD : XXXX XXXX : XXXX XXXX Bank : XXXX XXXX CARD : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX and provide proof with statements showing that these payments were late. If proof can not be provided, I demand that these payments be updated to on-time as they should be, as I was never late. 

I am requesting that you provide me with a written response within 30 days confirming that the inaccurate information has been removed from my credit report. Additionally, I request that you provide me with a free copy of my credit report, as per my rights under the Fair Credit Reporting Act. 

Thank you for your attention to this matter. I look forward to your prompt resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information regarding Delinquent account with XXXX XXXX, which I have no knowledge of, is on my Credit Reports at all three agencies. I have filed disputes with XXXX, Equifax and XXXX, but the information remains. I have contacted XXXX XXXX on XX/XX/2022 and spoke with XXXX. XXXX attempted to look up information using my identifiers ( Name, SSN, DOB ). She was unable to find any account under my name. I am requesting that this information be removed from my credit file and have been unsuccessful.
Product: Credit reporting or other personal consumer reports

This report is against XXXX CREDIT REPORTING AGENCY back in XX/XX/XXXX i noticed a negative reported account from XXXX XXXX XXXX XXXX as a charge off that said i opened an account with them back in XX/XX/XXXX and that it closed with a negative balance in XXXX. i filed a dIspute claiming identity theft with all three OF THE MAJOR REPORTING AGENCIES, XXXX, equfax, and XXXX XXXX. i first submitted an identity theft report with my local police department, then with the CFPB. I included the identity theft reports, a letter stating i had no knowledge of this account, i in no way benefited or received any compensation in any way from the account, and i demanding they block the information within 4 business days, i also submitted proof of identity, proof of address, and a copy of my credit report identifying the incorrect data. only XXXX XXXX blocked the negative information. i contacted the credit union, they sent me the application and the proof of identity the person used to open the account. it was clear that the person in the id was in no way me. all they had to do was compare the driver license i submitted to prove my identity, with the identity that the person used to open the account in my name and it is obvious its not me. XXXX XXXX obviously did this simple investigation, as they removed the negative derogatory info immediately from my credit file. XXXX did not.
Product: Money transfer, virtual currency, or money service

I was trying to cash a mobile check deposit and the representative told me i had to send XXXX XXXX in the amount of XXXX and also XXXX XXXX for XXXX. He said i would get that money back immediately but they did not. He under false claims made me send him and her this money. Now they are telling me i can't make a dispute. But the only reason i sent the money was to get the check cashed. This was clearly a scam and they will not open a claim to refund the money. Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX I experienced fraudulent activity on my personal checking account and had to close the account and open a new account. During this time, I had to contact all of my creditors and inform them of the new account information and setup auto-drafts all over again. XXXX XXXX was one of these creditors. I did not make any changes to my auto-draft with XXXX XXXX XXXX XXXX XXXX '' because it did not have a balance and no amounts were being auto-drafted at the time. Sometime in XXXX, XXXX XXXX enrolled me in " paperless statements '' without my consent or permission. I have never opted into paperless statements because in past experiences, the email that I received about my new statement would end up in the " spam folder '' of my email. In XXXX of XXXX I used my XXXX XXXX XXXX for a series of purchases totaling around {$550.00}. I was under the assumption that the auto-draft was still in place and that a statement would come in the mail, but it never auto-drafted and a statement never came. Sometime in XX/XX/XXXX I received a call from XXXX XXXX informing me that my credit card account was more than 40 days past due. I immediately made a payment to clear the matter up. I then began investigating how this happened and why. I found out, after speaking with XXXX XXXX XXXX Executive Team that my account was enrolled in paperless statements and that my auto-draft had been cancelled by " XXXX XXXX ''. I did not cancel the auto-draft, XXXX XXXX cancelled it. Not only did they cancel it, but the communication that it had been cancelled was sent via email due to the paperless statements that I was incorrectly enrolled in by XXXX XXXX. XXXX informed me that I signed up for paperless statements, however I did no such thing. I informed XXXX XXXX of this and they simply ignored it. They also ignored the fact that they cancelled the auto-draft, not me. After completing some research, I found out that XXXX XXXX incorporates a pop-up window on their website for my credit card account. On this pop-up, you must hit the " continue '' button. Before hitting the continue button, I noticed that there is a " check box '' that is already checked before you hit continue. What this means is that XXXX XXXX is forcing consumers to agree to paperless statements, without the consumer knowing because this " check box '' is already " PRE-CHECKED ''. What this means is that the consumer must first look closely to see that the box is already checked and they must " un-check '' the box before hitting the " continue '' button. This is a major issue and will likely lead to a Large Class Action Lawsuit against XXXX XXXX. If I can not get this issue resolved with XXXX XXXX, I will be the XXXX that initiates this Class Action Lawsuit. After bringing light of all of this to XXXX XXXX, they continue to refuse to acknowledge this issue and refuse to correct my credit bureau report. I have been utilizing credit since I was XXXX XXXX XXXX and in my 16 years of using credit, I have never paid anything late EVER.
Product: Debt collection

In XXXX ( not sure of correct date ) I had a hearing with XXXX as well as Illinois XXXX XXXX XXXX. During my phone hearing I informed both the hearing officer, as well as the rep from Illinois XXXX XXXX XXXX, that I did not owe the debt that they were claiming I owed. The hearing officer as well as the rep from Illinois XXXX XXXX XXXX informed me that in order to clear the debt I would have to provide attendance records from my sons school that showed he did not attend the after school program for which I was being charged. The hearing officer suggested that I not appeal the amount being owed until i gathered all of the necessary information, and both the hearing officer and rep from Illinois XXXX XXXX XXXX suggested that I pay on the debt so that it did not go to collections, and if it was found out that I did not owe what they were claiming, I would be reimbursed. In XXXX I received an agreement from XXXX that I would pay {$57.00} each month on the XXXX in order to satisfy the debt. I remitted payment of {$57.00} on XX/XX/XXXX. On XX/XX/XXXX I went to the school DHS and Illinois XXXX XXXX XXXX stated I owed the debt from, and they had no record of my son ever being in their after school program, and stated they never received any payments from the state. I faxed Illinois XXXX XXXX XXXX this information, and reappealed my original dispute on XX/XX/XXXX. Today on XX/XX/XXXX, I received a notification from XXXX XXXX that a new debt had been added to my XXXX  account- it was the debt from DHS/Illinois XXXX XXXX XXXX. I immediately contacted the collection agency and told them that I was disputing the debt, and that it had already been in dispute within the 30 day time frame that I am allowed by LAW, and that a payment had already been made on the account, and therefore it was not past due so they were reporting deceptive practices to the credit bureaus. XXXX told me that I didn't know what I was talking about, and that they could not remove the debt from my credit report unless XXXX advised them to. I explained to XXXX that Harvard Collections was in violation of the FDCPA because I had already disputed, in writing with XXXX that the debt was not valid within the 30 day time frame, and had already made a payment so the debt was not pat due and he insisted on telling me that they were within their rights to report this invalid debt.
Product: Debt collection

Sending information to family members, and said they will be taking me to court. sharing confidential information.
Product: Credit reporting, credit repair services, or other personal consumer reports

the agency must notify the consumer of the debts delinquent status through a demand letter or dunning notice. Please Send documentation of charges or written proof of purchase, Violation Charge APR fees monthly after statement date
Product: Credit reporting or other personal consumer reports

I was just informed on the reason why I keep getting denied for anything that I apply for is because LEXIS NEXIS RISK SOLUTION has been reporting inaccurate and false information and does not mirror my XXXX, XXXX or XXXX credit report an all information that they have listed for me is all wrong from address, name, number and credit account and it also has that I have a judgement on my credit report when this is far from the truth for I do not have any liens nor judgements on my credit report the goes against the FAIR CREDIT REPORTING ACT and needs to be removed from my credit profile immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANS UNION did not comply with a proper investigation when I disputed the fraudulent late payments from the Department of EducationXXXX on my consumer report. I am entitled to verifiable information and proof of a proper investigation pursuant to 15 U.S.C. 1681i ( a ). TRANS UNION is in violation of my Federal rights because I have alerted and made TRANS UNION aware of the fraudulent, inaccurate and unverifiable information on my consumer report multiple times and they continue to report these fraudulent late payments.This is causing me a great deal of emotional distress. I have attached a pdf document to this complaint which includes all the violations and reports which show the inaccurate balance and information reporting between TRANS UNION and DEPT.OF EDUCATION/XXXX. Look at these inaccuracies : 1. DEPT OF EDXXXX **** {$3800.00} ( 4 lates ) XXXX XXXX THE BALANCE SHOWING ON DEPT OF EDUCATION {$3500.00} 2. DEPT OF EDXXXX **** {$1500.00} ( 6 lates ) XXXX XXXX and XXXX XXXX THE BALANCE SHOWING ON DEPT OF EDUCATION {$1300.00} 3. DEPT OF ED/XXXXXXXX XXXX  {$1900.00} ( 4 lates ) XXXX XXXX THE BALANCE SHOWING ON DEPT OF EDUCATION {$1800.00} 4. DEPT OF EDXXXX **** {$3700.00} ( 4 lates ) XXXX XXXX THE BALANCE SHOWING ON DEPT OF EDUCATION {$3500.00} 5. DEPT OF ED/XXXX **** {$7000.00} ( 4 lates ) XXXX XXXX THE BALANCE SHOWING ON DEPT OF EDUCATION  {$5800.00} The inaccuracies of reporting by Transunion are above, how did TRANS UNION verify these accounts and are reporting the wrong balance? How can I be confident that they are doing a proper investigation? They are NOT. 

TRANS UNION did not comply with a proper investigation when I disputed the fraudulent late payments from the Department of EducationXXXX on my consumer report. I am entitled to verifiable information and proof of a proper investigation pursuant to 15 U.S.C. 1681i ( a ). 

I have also attached an FTC complaint and will follow up with a complaint to the Attorney General of Texas.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2022 its has been reported on consumer report that I owed a balance of {$820.00} to XXXX XXXX. However after filing a complaint with the XXXX XXXX XXXX ( XXXX # XXXX ) on XX/XX/2022. I was made aware on XX/XX/2022 in a response to complaint ( Case # XXXX ) that XXXX XXXX no longer owns this debt and has sold it XXXX XXXX. Thus proving the validation by the three credit bureaus to be inaccurate. For 3 months the 3 credit bureaus have reported inaccurate information on my consumer report even after disputing this account. 

The Credit Bureaus never did a proper " investigation '' according to the FCRA. 
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 of information. 

The did not do this. 
Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the balance is inaccurate, the balance updated, and the account type reported is not accurate. This ground for removal. Delete this account immediately!

They also violated the law because according to 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Debt collection

XXXX IS BILLING ME WHEN I AM XXXX AND UNEMPLOYED. I HAD ASKED THEM TO FORGIVE THE DEBT AS THEY ARE ASKING MCM, INC. TO BILL ME.
Product: Money transfer, virtual currency, or money service

There was no disclaimer on money transfers made. They did not notify consumers properly about the dangers of sending or receiving funds through the system.