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

XXXX, Transunion, & XXXX continues for years to lie or they have made a mistake and verified this public record as accurate when the dates are ( incorrect XXXX has date as XXXX ) first inaccuracy : wrong date ( XX/XX/2017 ) ( correct date : XX/XX/2017 ) and the spelling of the name is different spelled ( wrong XXXX ) inaccuracy : XXXX ) ( correct spelling : XXXX ) from the legal name and in fact XXXX  claims to verify this inaccurate information with the Courts today I will prove XXXX wrong I have disputed the public records with the XXXX XXXX  XXXX who is the actual source of this public record information and they stated they never share anyones public records information with any credit bureaus nor do they verify or validate any public record information only with Government officials. This account is in violation of 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of disputed information. ( 1 ) Reinvestigation required. ( A ) In general. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer. I will upload copies of the letter from the XXXX XXXX XXXX XXXX stating they dont verify or validate public records information with any credit reporting agencys and I will upload a copy of the public record to show inaccuracys such as wrong dates and wrong spelling of my legal name and XXXX inaccuracy the reference # on XXXX is different then on the official public records document as well ( reference # is wrong XXXX ) ( correct reference # is XXXX ) and XXXX sent me an email stating they refused to allow me to dispute the public records because of lack of proof of inaccuracys and lack of specific information and I will upload the time XXXX verified with inaccurate public records information for years on going violation of my rights according to the fair credit reporting act!
Product: Credit card

I Made a Purchase with XXXX {$370.00} and i never received the itemthe item that i Purchase It was on XXXX for a Galaxy Note 4 Used and the item was never shipped to me i did also made a claim with XXXX but XXXX has my refund in a pending Status Since XXXX XXXX 2015 and still have not return the funds back to my back account. i contacted American Express About this Problem and they stillstill have the investigation in a pending status and its been 2 weeks and the bank has not provide a resolution for this problem.
Product: Credit reporting or other personal consumer reports

I have repeatedly for over a couple of years trying to get these inquiries and hard inquiries off my credit report and they have not and I have paperwork showing so I will send the documents through the document area where I have done this
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a Complaint last XX/XX/22 but I found out that my XXXX XXXX XXXXXXXX, XXXX, and XXXX were closed. I am resubmitting my complaint today to update this suspicious information. I think the credit bureaus have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. Here is the unverifiable account found on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/year> I was trying purchase wedding dress and my card declined. I used different card and the next day I went to XXXX and tried to use my credit and it got declined. On Monday I called the bank and asked my card not working and they said my account got closed because of fraudulent charges from XXXX. 

On Wednesday I tried to use my debit card and it was declined too, I called the bank and they informed me that all my accounts has been closed with no information given to me. I went to US bank branch to withdraw money from my savings and checking which I had XXXX total and the brunch XXXX told me that Im not able to withdraw any money.

Now Im left with all my accounts, debit and credits closed, declined and cant withdraw money. I wasnt able to pay for my lunch, my car has XXXX miles to empty gas and I havent ate breakfast and lunch. 

I dont know whats going and I dont have money. This has been the most stressful thing Ive dealt with. I need to know whats going on and I want my money asap as I need it for my bills, mortgage, food for my kids and on top of all this. My wedding is on XX/XX/XXXX so I need access to my money. This is extremely stressful Please someone help me and tell me whats going on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried disputing the accounts on numerous occasions with XXXX, Transunion, an XXXX. I havent applied for credit, my information has been compromised. The address are fraudulent. I have disputing the same accounts they wont let me dispute them for the second time. These accounts are affecting my life, I cant get a job or proper housing for my kids. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I DO NOT ACKNOWLEDGE THESE INQUIRIES 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I filed a dispute with Goldman Sachs XXXX Apple Card ) regarding a charge on my credit card for {$97.00}. I enrolled in a subscription with XXXX XXXX in XXXX of 2023 and paid a promo fee of {$24.00} the promo was for 2 months. I also chose a dietary plan that does not include pork. The merchant charged me {$97.00} before the promo was over and they sent XXXX meals that included pork. I contacted the XXXX on XX/XX/2023 and cancelled my subscription. I also contacted Goldman Sachs to file a dispute. The initial dispute was denied stating the XXXX followed the XXXX & XXXX. I contacted Apple and explained to them that they did not file the dispute correctly they never asked the XXXX to respond to charging outside of promotion and that they sent me the wrong items. Apple agreed with my response and filed a second dispute. However now they have come back tome asking yet again for more information that I have provided them 3 times. I am filing a complaint regarding the manner in which my dispute was handled as Customer.
Product: Credit reporting or other personal consumer reports

XXXX HAD BLOCKED ALL THE CREDITORS IN MY REPORT, AND REMOVED THE INQUIRIES. HOWEVER, I LEFT SOMETHING OFF CALLED BACK AND GOT A NEW FRAUD REPRESENTATIVE, SHE REINSERTED ALL THE INFORMATION BACK IN THE REPORT, HER NAME WAS XXXX, WITH NO REASONING, AFTER XXXX HAD ALL THE INFORMATION CORRECTED AND DELETED. I SUED XXXX A FEW YEARS AGO, AND WON THE CASE, SO I ALWAYS HAVE WHAT SEEMS LIKE RETALIATION WHEN I TRY TO GET ANYTHING CORRECTED. THEY DONT EVEN TRULY VERIFY THE INFORMATION, THEY JUST COME BACK VERIFIED. I SEND THEM ALL THE FTC REPORTS, AND CFPB REPORTS, AND THEY HAVE STATED THEY WERE NOT VALID, SO I ACTUALLY FILED A POLICE REPORT, ALONG WITH THE REPORTS. I HAVE XXXX BANKRUPTCIES, WHICH IS NOT EVEN POSSIBLE IN THE TIME FRAME THEY STATED, YOU CANT EVEN DO THAT, AND THEY SAID THEY VERIFIED THROUGH XXXX WHICH IS INCORRECT, BECAUSE XXXX HAS NOTHING NEGATIVE ABOUT ME NOR ANY BANKRUPTCIES. 

XXXX, SENT IN A LIST OF THINGS THEY HAD DELETED TO THE CFPB ON MY RECORD, HOWEVER, THOSE ITEMS ARE STILL THERE. THEY STATED THEY RECEIVED A REPORT FROM XXXX THAT THEY HAD DELETED THE ITEMS, THEY GOT A REPORT FROM XXXX AND REINSERTED THE ITEMS. THATS NOT THE WAY THAT IS SUPPOSED TO BE DONE, BUT YOU CORRECTED ALL THE FRAUDULENT INQUIRIES OFF. 

XXXX, HAS XXXX NEGATIVE ITEMS, WHICH ARE NOT MINE, AS WELL AS A BANKRUPTCY, THAT THEY CANT VERIFY THATS NOT MINE, BASED ON XXXX NO BANKRUPTCY INFORMATION EXISTS ON THEIR RECORDS. 
THEY ARE NOT USING MY CREDIT REPORT CORRECTLY
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whomever This May Concern : Please see the attached letters for Equifax and XXXX. Equifax added on accounts that were removed but they added them back on. I am currently consulting with an attorney to see my options, but with all of my documentation, I have a good chance at filing a lawsuit and winning. Especial since my information was included in the breach, I have submitted Identity theft reports, Police Reports, and more. Equifax just won't remove it. This will be the last time that I submit this through the CFPB before I file a lawsuit. Please remove the Bankruptcy and XXXX XXXX of GA. Please block those asap. 

XXXX, please remove The bankruptcy and XXXX XXXX XXXX XXXX. I have submitted numerous reports and it is still on there. I have no qualms about filing a lawsuit. Please block this information from my report. 

I have spoken with XXXX XXXX and other consumer agencies. They have no information on file for me and I have received that information as well. I have also spoken with the bankruptcy courts. They don't verify any information, so how are we verifying this information when my file is frozen. It sounds like some things are being done illegally. Please remove these items asap. You would think that with the breach that you would be more careful with the information that you are reporting that is inaccurate. 

Also, I never asked for Equifax to update my personal statement. The phone number XXXX was correct on there and then Equifax changed it. I never asked for it to be changed. Please put it back as it was.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between mid XX/XX/XXXX and XX/XX/XXXX, Equifax experienced a data breach, and my financial information was, likely, divulged without my consent.
Product: Credit reporting or other personal consumer reports

These entries contain inaccuracies, unauthorized activities, potential duplications, and identity theft concerns. Given recent widespread data breaches, I also request documentation of your protective measures safeguarding my personal data.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 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 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 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 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 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 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 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 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 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 XXXX XXXX Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681g, 1681i, 1681s-2 ), please provide : - Original signed documents or loan agreements - Complete payment and transaction histories- Detailed itemizations of charges, fees, and penalties - Proof of your right and authorization to report these accounts In accordance with FDCPA 809 ( 15 U.S.C. 1692g ), furnish explicit validation of each debt. 
Under FACT Act ( 15 U.S.C. 1681c-1, 1681m ), please provide documentation verifying your data security measures and evidence that my information remains uncompromised. 
Additionally, under identity theft protection ( 15 U.S.C. 1681c-2 ), immediately block and investigate suspicious or unauthorized entries. 
Failure to provide complete validation within 30 days necessitates immediate removal of disputed items per FCRA 611 ( a ) ( 5 ) ( A ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ). Continued unverified reporting constitutes violations of FCRA 616, 617, and 623 ( b ) ( 15 U.S.C. 1681n, 1681o, 1681s-2 ), FDCPA 807 ( 15 U.S.C. 1692e ), FACT Act ( 15 U.S.C. 1681c-1, 1681m ), and Identity Theft provisions ( 15 U.S.C. 1681c-2 ). 
Prompt compliance within the legally required timeframe is expected.
Product: Debt collection

The options do not exactly fit my particular problem. I am trying to fit the best I can. 

XX/XX/2021 Credit Corp began to caustically engage me via the phone. I informed the caller that their attitude could be violating my rights and informed them I wanted the call recording preserved, further I followed up with written demand for preservation. Credit Corp filed suit and I have again demanded preservation of the evidence for the violation of the FDCPA - Credit Corp is claiming they are unable to produce the information. 

I have contacted the XXXX, FTC, CFPB regarding Credit Corp. A court action is pending as Credit Corp has filed a lawsuit, however they have claimed they have no foundational documents available for the suit - which is a violation of FDCPA. Further, I have made several demands afforded me to preserve recording/documents that prove violations of the FDCPA, the Credit Corp is now claiming that the evidence can not be located. Deceptive and bad faith actions clearly violate the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, ( XXXX ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.
Product: Debt collection

This third party debt collector is the second collector trying to collect a debt not owed and refused to validate the debt is owed by me. I have sent a affidavit notarized and certified mail disputing the debt requesting they provide the contract that binds me to pay a debt, requesting the verification that I a living breathing man signed a contract with my wet ink signature. They have yet to respond and the debt is still on my credit report which they are now not acting in good faith. I have attached the affidavit i sent them.
Product: Credit reporting or other personal consumer reports

OFFICIAL CONSUMER COMPLAINT and FORMAL DEMAND a thorough CHECK of the required CERTIFIED COMPLAINT REPORTING OF PHYSICALLY VERIFIED valid, true, accurate, complete, and timely of the reported alleged claims. Furthermore, I challenge you to provide evidence supporting these claims. As a consumer, I have the right to contest the reportability of any information that is deficient in any way. I demand that you promptly and PERMANENTLY delete any alleged claims of inquiries, delinquencies, or derogatory remarks if you are unable, unwilling, or fail to demonstrate lawful evidence as requested throughout this notice. This removal must be carried out without exception or delay. 

To Whom It May Concern : My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. 

As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. 

Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.
Product: Debt collection

XXXX XXXX XXXX is a contracted group for XXXX XXXX XXXX XXXX. I obtained their XXXX XXXX due to a left shoulder operation in XX/XX/2022. They sent me a bill which I was in monthly communication with XXXX billing and advised them to correct the payment amount because they did not apply the XXXX XXXX XXXX XXXX XXXX Assistance XXXX XXXX. All vendors of XXXX XXXX XXXX XXXX must abide by this discount program to reduce costs for patients requesting financial assistance. In XXXX and XX/XX/2022, I supplied XXXX with copies of the XXXX XXXX XXXXXXXX XXXX via email and XXXX XXXX XXXX. I requested that they adjust the payment so that I can pay the correct amount. On XX/XX/2022 I recieved a letter from Frost Arnett Company who was hired to collect the debt. As a result, I contacted XXXX and spoke with XXXX ( XXXX ) and advised her that I have been in full cooperation and willing to pay but the amount was incorrect due to the missing discount. XXXX researched and confirmed the errors and that I was not given appropraite notifcation or time to pay the corrected amount with appropriate discounts after the adjustment. As a result, she left a telephone message for me on XX/XX/2022 that the balance was taken care of and the balance was now XXXX due to their current errors and past errors. This was confirmed again in a later conversation with XXXX. On XX/XX/2022 I spoke with XXXX representatives from Frost Arnett, a debt collector. I advised the representatives that there was an error and that I dispute the collection as per their letter. Their letter indicates that I can dispute verbally or in writing before XX/XX/2022. The representatives ignored my request for dispute. They attempted to collect the debt. I referred them back to XXXX to verify the error. I also advised them that I feel that they are violating my Fair Debt Collection Rights. They both indicated that they had no obligation to contact XXXX and that they had a debt to collect. They also requested proof of the financial assistance letter. I again directed them to XXXX who has all of the documents and determined the balance to be XXXX. After their refusal to cooperate, I was then directed to their website or send proof of financial assistance to their XXXX XXXX XXXX I feel that this is a violation of my rights under the Fair Debt Collections Practices Act. The debt was given a XXXX balance. I was in full cooperation with XXXX through the whole process. Frost Arnett demanded information and debt that was not owed to them. They refused to acknowledge the dispute request.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans were reported 90 days delinquent back in XX/XX/XXXX, so in XX/XX/XXXX I called because it was still on my credit report and was told that it would not be removed until it was a zero balance. It was going to report delinquent indefinitely. I had never heard of an account being able to report indefinitely but I transferred & consolidated my loans in XXXX of XXXX to another lender which put my balance at zero with XXXX. When I called because it still appeared on my report, I was told that it would report for 10 years. Well XXXX of XXXX came and that made it 10 years it had be reporting on my credit. Spoke with XXXX at XXXX in XXXX of XXXX and was told that it should have been removed and she would sent it over to the department that handles credit reports to have it removed. I was told to check back in XX/XX/XXXX and it should be corrected. As of today, XX/XX/XXXX XXXX still appears on my credit report showing delinquent from XXXX.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, CA XXXX Dear XXXX XXXX, I hope this letter finds you well. I am writing to formally request a copy of the IRS Form 1099-C for a debt that was charged off and reported by your company on my credit report. The details of the account are as follows : Your Account Number : XXXX Date of Charge-Off : 2022 Amount Charged Off : unsubstantiated I believe that the issuance of a 1099-C is required under IRS regulations for the cancellation of debt, and I would appreciate your assistance in ensuring that I receive this form promptly. Please send the information to my mailing address : XXXX XXXX XXXX, XXXX, PA XXXX. 

Please send the 1099-C form to the address listed above or provide instructions on how I can obtain it. If there are any additional steps I need to take to facilitate this process, kindly let me know. 

Thank you for your attention to this matter. I look forward to your prompt response. 



Sincerely, XXXX XXXX