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

XX/XX/year>, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 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 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 may 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. 

They also violated my rights numerous times. 

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

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

According to : 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 According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting account number and opened date wrong in this account XXXX XXXX XXXX XXXX XXXX XXXX Please correct this information or remove the account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the XXXXairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My Name Is XXXX XXXX After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in XX/XX/XXXX XXXX I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and XXXX/XXXX  provider to which I owe the debt and a detailed breakdown of the fees that I owe. The COLLECTIONS NAMES ARE XXXX XXXX THE FIRST AMOUNT OF XXXX $ THE OTHER AMOUNT IS XXXX $ Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 
Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information You have 30 days to respond this letter with all this proof I requested or delete this collection from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX XXXX XXXX XXXX but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Money transfer, virtual currency, or money service

Hello! I contacted you a few weeks back & unfortunately misplaced your number & pray I returned to the right place : ) In & @ 2017, My husband & I were fooling around with an online app ( if you will ) called XXXX, a third party money transfer addition just featured with XXXX XXXX at our local Citizens Bank on XXXX XXXX in XXXX County XXXX. I fiddled with this app for approximately 10 minutes, as my husband and I were just starting up a small business with our music and was curious what is was & how it worked, therefore ( think ) if I even did anything wrong ) typed in my childrens email address once or twice to see how it may have operated, yet unsure this is even accurate. Due to the fact, I knew my children would never opt to bank & /or take out receive any funds. Within the next week or two, and ever since ( 3 years later ) & after living at hospitals with our youngest son, sadly are bank has still completely failed us! In 2017, they notified my husband XXXX & I, that we were now out close to {$2000.00}! After many many attempts to resolve with them ( citizens bank ), they then began telling us our money was now at another bank, and then another bank! Knowing too what we were going through! After dozens of unsuccessful talks/attempts beyond, they still have not recovered our money, money that never moved a cent, from this original account ending in XXXX, that they then said is in our best interest to just close this long standing account of ours, after all that! Please notify us as to what we can do to receive our money back, as we so need or, and what you feel the direction is we can take in this matter. GODBless & Happy, Healthy XXXX XXXX! XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX & /orXXXX ( XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX was added to my credit file on behave of an unsetteled debt from an old unpaid utility bill from XXXX. On XX/XX/XXXX, XXXX XXXX XXXX was paid in-full with a total payment of XXXX. The collection agency reported the payment and the account paid in full the by XX/XX/XXXX. On XXXX, Equifax reported the same account as not paid with a current balance do of XXXX. The same amount I paid a few weeks earlier. I disputed the update on XXXX, and XX/XX/XXXX and as a conclusion of there investigation has continued to report this false amount. I then contacted XXXX XXXX  XXXX and they have indicated that I do not have a balance due with them and that I have paid that balance in-full on XX/XX/XXXX and that they have submitted the change to the credit agencies on XX/XX/XXXX which is in-line with the facts since Equifax did remove the account from my report on XX/XX/XXXX. I don't know why Equifax is reporting this balance, I have even sent them proof of the payment.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, a client of mine paid me {$800.00} for a rental vehicle that they were going to rent for 25 days. Shortly after receiving payment, Square Inc. e-mails me that they suspended my account because they suspect the payment made to me to be fraud. This is not my problem, this should be the responsibility of Square Inc. to ensure transactions that are made on their platform are not fraud. I am not the one charging all the fees to process payments, they are. As also clearly shown in the attached documents, the last name of the only transactions I have on my account are identical. Anyways, they asked me to provide information to get my account active again. As inconvenient as it was, I obliged and sent documents containing my bank account information, my LLC paperwork, screenshots of messages and transactions done between me and my client. The next day, XX/XX/2023, they request more information as the information I provided was not " sufficient ''. My responses to the second email have not changed, as there is not more information that I can provide. I suspect that they will deactivate my account, like they have done with countless other small businesses, and withhold my funds indefinitely without any proof of fraud or basis to do so. I am asking that you can assist me in retrieving my rightfully earned funds that is essential to make sure my business functions. It is unethical that a company holds funds without a legal right to do so and without explanation.
Product: Vehicle loan or lease

Twice, in 4 billing statements ( first 4 specifically ), Toyota XXXX has sent me a bill that includes a due date, but will not let me pay it online on the due date due to either a holiday, weekend, or both. This time, due XX/XX/2022 ( today ), I made an online payment before the cutoff time ( around XXXX XXXX ), the website said it would not be applied by to the due date due to being past the cutoff time. It then said it would be applied XX/XX/XXXX, and then after it was paid, it the payment receipt shows it will be applied the XXXX ( I have screenshots of the whole process ). XXXX  I hasnt responded to me on a prior complaint of this, nor about a refund I have been due for weeks/months due to dealership sneaking in an extended warranty that is basically the manufacturers warranty. Nobody seems to be holding these institutions accountable. If I have a bill that says its due the XXXX, and they accept my payment that date, why are they able to say they will take it but not apply it? Its a good fraud, and there needs to be accountability.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, listing the following accounts has violated my rights. 

XXXX XXXX XXXX Acc # XXXX XXXX XXXX XXXX ACC # XXXX XXXXXXXX XXXX XXXXXXXX ACC # XXXX XXXX XXXX XXXX XXXX ACC # XXXXXXXX XXXX XXXX XXXXXXXX Account NumberXXXX XXXX ACC # XXXX XXXX XXXXXXXX XXXX ACC # XXXX 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: Mortgage

Our home burnt XX/XX/XXXX we contacted Shellpoint on XX/XX/XXXX and let them know what happened. XX/XX/XXXX Shellpoint went forward knowing that the home burnt and the insurance company was paying it off. We were told on XX/XX/XXXX to send the insurance check to the loss draft department. on XX/XX/XXXX the loss draft department emailed me and ask for the payoff. When we contacted shellpoint about our payoff amount we were told on XX/XX/XXXX it would be XX/XX/XXXX before they could tell us because they went forward and filled to foreclose on us. We are also showing credits on our account un unapplied payments. This is a mess. We simply want to be done and move on.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX of Birth : XX/XX/XXXX SSN : XXXX Address : XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX TX XXXX XXXX, XXXX XXXX Experian Date : XX/XX/XXXX URGENT MATTER I intend to challenge a dispute with an FTC report for the items listed below as Fraudulent. Please remove all from my credit report. 
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.

Items listed above have 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 ( AN ( 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. 
Remove Following Non-Mailing Addresses listed that doesnt belongs to me : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX Remove Fraudulent Account listed : XXXX XXXX ( XXXX ) Opened : XX/XX/XXXX, Balance : {$2700.00}, Payment status : Collection Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX ( XXXX ) XXXX FCRA Law Statement : If the above accounts can not be verified, they must be removed immediately according to FCRA Section 609 & 611. If your company fails to comply, you will be required to appear in a court venue. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim.

1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector.

9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters. 
10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; XXXX  XXXX balance sheet ( XXXX # XXXX XXXX, XXXX, XXXX ), XXXX XXXX report, XXXX registration statement, XXXX prospectus, XXXX & XXXX call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt. 

12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections.

13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note.

14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity.

15. Provide verification from the stated creditor that you are authorized to act for them.

16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341.

Disputing the Debt,
Product: Debt collection

After reviewing my credit profile on XX/XX/2022, I identified a discrepancy with an account listed under Midland Credit Management Inc. and validation was requested on XX/XX/2022 as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2022 and the account continues to reflect on my credit report, and I have not received any correspondence from the creditor to validate this account is correctly belonging to me. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account legally and the account continues to negatively affect me. Also, XXXX is reporting a different account number form the other two credit reporting agencies. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me, and all information is correct.
Product: Debt collection

The statute of limitations has expired for this debt. Please verify these 3 accounts with the debt collector and validate this debt.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint for Violation of FCRA and Demand for Immediate Removal of Reinsertion Account Dear CFPB, I am filing a formal complaint against EQUIFAX for violating my rights under the Fair Credit Reporting Act ( FCRA ), specifically the reinserted account listed below. This account was previously deleted from my credit report, and I am now demanding its immediate removal due to violations related to the reinsertion of the account without proper verification or notification. 

Account Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, I disputed an account with EQUIFAX due to inaccurate information. After a thorough investigation, EQUIFAX removed the account from my credit report on XX/XX/XXXX, confirming that " the disputed item is not currently reporting on the equifax credit file ''. I have attached proof of this notice. 

However, I discovered on XX/XX/XXXX, that the same account was reinserted into my credit report. This reinsertion occurred without any proper certification or written notification of the accounts accuracy and completeness, as mandated by the Fair Credit Reporting Act ( FCRA ) under Section 611 ( a ) ( 5 ) ( B ).

FCRA Violations : Violation of Section 611 ( a ) ( 5 ) ( B ) - Reinsertion of Disputed InformationThis section prohibits the reinsertion of deleted items unless the information provider certifies that the information is accurate. EQUIFAX failed to provide such certification, which constitutes a violation of my rights.

Violation of Section 623 ( a ) ( 3 ) - Duty to Correct and Update InformationThe reinsertion of the account without correcting the underlying inaccuracies breaches this section, which requires that information furnishers update and correct inaccurate data.

Violation of Section 611 ( d ) - Notification of Reinsertion EQUIFAX failed to notify me in writing within five business days of the reinsertion of the previously deleted item, violating my right to timely notification under this section of the FCRA.

Violation of Section 607 ( b ) - Maximum Possible AccuracyThe reinsertion of inaccurate information, as well as the lack of procedures to ensure maximum possible accuracy in consumer reports, is a violation of the FCRA. 

Harm Caused : The reinsertion of this inaccurate account has caused significant harm, including : Damage to my credit score Increased stress and time spent addressing this issue Negative impact on my ability to secure a mortgage This issue has severely affected my ability to pursue homeownership for my family, and it remains unresolved due to the incorrect information on my credit report.
Product: Checking or savings account

I opened an account with Citibank on Saturday the XXXX of XX/XX/2021, the Monday after I went to a branch and deposited my cashiers check which cleared the day after ( Tuesday ) Problems started when I tried wire transferring XXXX from my account on Tuesday, they said it got flagged and I called them with XXXX XXXX relay ( XXXX XXXX and XXXX XXXX ) on the call they asked me to provide a mobile number to receive a verification code, I gave them both my numbers ( XXXX  and XXXX ) they said I couldnt use both numbers, I then asked the guy that would it be sorted out if I went into a branch, he said yes. So I went to the Citibank branch in XXXX XXXX, CA. The lady I met went over my account and made a call ( I couldnt hear what was being said on the call but she kept looking at me disgustingly and then looked at one of her colleague and told her I look creepy maybe because Im XXXX and XXXX know what She said because I can lip read a bit ) After a while she wrote on a note and told me to call the customer service number myself, I wrote a note to tell her I already did and they couldnt verify me but here I am with my STATE ID so why do I need to call a different number when Im already in the branch, she gave me a disgusting look and just stretched the note to me again so I left, the next day, I went to the Citibank branch in XXXX, CA. and told him what was going on, he also made a call and wrote a note saying I should call the number, then he eventually helped me call and they asked the same number verification thing, they couldnt verify with my numbers, then he said they were going to MAIL me a code with instructions, then I told him I wanted to withdraw then I withdrew XXXX, 2 days after that ( Saturday ) I went back to the XXXX branch since I didnt get the code they said I was going to get, he said to wait then I said I wanted to withdraw another XXXX, he said no, that I cant withdraw till I get the code and instructions, now today is Wednesday, Ive still not gotten the code, I called them just now, they tried sending the code to my numbers again, he said it didnt work. That I should call back when I have a different number. Now my money is stuck in Citibank, I can not use online banking and I can still not withdraw my money in branch because of a verification code. I still dont know how that makes any sense.
Product: Credit reporting or other personal consumer reports

Here 's a reworded version of your statement : Under the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602 a, it is emphasized that consumer reporting agencies such as XXXX and Experian must exercise their responsibilities with fairness, impartiality, and respect for consumer privacy rights. As a consumer, I am protected under 15 USC 6801, which states that financial institutions have an ongoing obligation to respect customer privacy and safeguard their nonpublic personal information. Moreover, 15 USC 1681 section 604 a section 2 states that consumer reporting agencies can only provide a consumer report with the explicit written consent of the consumer. I have not given my consent for the furnishing of this information to credit agencies such as XXXX and Experian. 

Furthermore, 15 USC 6802 ( b ) ( c ) specifies that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer about their right to request nondisclosure. The entity providing information to credit agencies did not inform me of this right. Additionally, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including certain adverse information in a consumer report without proper authorization. This information is being reported against the law. 

According to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, it is unlawful to furnish inaccurate consumer information to a consumer reporting agency. XXXX and Experian are failing to maintain reasonable procedures as required by 15 U.S. Code 1681e, which is designed to prevent violations and restrict the furnishing of consumer reports to specific purposes. Lastly, as per 12 CFR 1016.7, I am exercising my right to opt out of your reporting services at this time.