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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Re : Letter to remove inaccurate credit Information Recently I looked at a copy of my credit report and notice several incorrect accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigating these items for me to ensure accurate. 
Here are the items I am asking you to verify as accurate. 
XXXX XXXX XXXX XXXX Total card ) - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX The bureaus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After your investigation is complete XXXX please send me the results via mail. 
Thank you in advance. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported to the Major Credit Bureaus that my XX/XX/XXXX payment was made 30 days late, however, the account was paid off in XX/XX/XXXX. XXXX acknowledged their mistake but has not notified the major bureaus and consequently my FICO score dropped 36 points. <P/>I 've spoken to XXXX XXXX 6-7 times between XX/XX/XXXX and XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE INQUIRIES ON MY FILE. THESES INQUIRIES DOES NOT BELONG TO ME, THOSE INQUIRIES WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.
Product: Credit reporting

i can not verfiy my identy on the question so i need to get that fixed
Product: Credit reporting or other personal consumer reports

The FCRA 15 USC 1681 section 602 states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Transition and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. Financial institutions and Consumer reporting agencies do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, Furnisher of information to credit agencies, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( B ) ( C ), 15 USC 1681 ( a ) ( 5 ) I was never informed of my right to exercise my nondisclosure option. This account is an adverse item they are reporting again without my permission which is against the law. 15 US Code 1681s-2 ( A ) ( 1 ) A states 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.15 US Code 1681e, 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Debt collection

I received an attempt to collect from XXXX XXXX through a collection agency by the name of XXXX XXXX, XXXX They offer to settle a so called debt of {$5100.00} for the sum of {$1800.00} This debt was settled on XX/XX/2015. I have copy of dissmal document I believe XXXX XXXX XXXX by way of Convergent is trying to defraud and scam me
Product: Debt collection

In XXXX of XXXX, I received a letter stating that I owed money so I requested verification of the debt from XXXX the group harassing me and saying I owe this money back from XX/XX/XXXX. I specifically asked for verification with specific charges, merchants, and dates. Instead, on XX/XX/XXXX, I received a letter from " XXXX XXXX I, XXXX, '' which showed Capital One, the date of XXXX XXXX - XXXX XXXX, XXXX, with no transactions listed. Only my name and a past due balance. But XXXX 's letter said that the open date of the charge card was : XX/XX/XXXX. The charge-off date is listed as XX/XX/XXXX, with the amount of the debt owed is {$2700.00}. However, the new balance listed on the Capital One card is {$2800.00}. Credit card companies are not stupid and generally ad on fees, they do not subtract monies. Also, it's kind of strange that they couldn't produce any of the merchants or transactions that I asked them to verify. 
I don't know nor have I ever heard of XXXX but I know this account from XXXX was paid and closed in XXXX. I find it a shame this company is trying to defraud me for my hard-earned money.
Product: Credit card or prepaid card

It is truly unjustifiable that I have consistently made on-time payments for this account and have never been late. I kindly request that you update my account to reflect this accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On three different occasions, i.e., XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, wrote checks in the amounts of {$100.00}, {$51.00}, and {$100.00}, respectively, and Certegy denied my checks that I wrote to XXXX 's XXXX XXXX. The only reason Certegy denied my checks was because the check number was too high. I explained to the customer service representative that I had been with XXXX XXXX for 38 year, talked with a bank officer and was told XXXX had no holds or outstanding checks on my account The customer service representative said Certegy used a formula to determine when checks will be approved or denied and based on that formula, my checks were denied.
Product: Credit reporting or other personal consumer reports

I recently saw a company on my XXXX credit report that I do not recognize. BULLCITY FINANCIAL SOLUTIONS is saying that I owe them money. They never told me that I owe them anything. I dispute owing them any money.

2. BULLCITY FINANCIAL SOLUTIONS : Account XXXX. Pages 8 & 9 The DATE OPENED, TERMS and BALANCE is inaccurate. The RECENT PAYMENT, MONTHLY PAYMENT and HIGHEST BALANCE information is completely missing. The Payment History is missing information from XX/XX/2024 through XX/XX/2024. If the account was opened in XX/XX/2024 this information should be reported. This is inaccurate and incomplete. Please fix these issues or delete the account from my consumer report. 

Credit report attached.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  is reporting completely different information to all three bureaus as it relates to account # XXXX with the balance of {$9300.00}, account # XXXX with the balance of {$3500.00} and account # XXXX with the balance of {$2900.00}. The last activity reported, date credit accounts were opened, dates reported and highest balances are ALL INCORRECT. 

Incorrect information CAN NOT be reported to someone's credit report and moreover, DIFFERENT and FALSE information can not be reported to the three bureaus. Information must all be the same and be CORRECT, which this is not. This could be a case of identity theft! All of this information for these THREE CLOSED accounts is completely incorrect and I'm demanding it be removed and settled separately. I will not see credit or loans from XXXX in the future ; I want this removed because it is FALSE.
Product: Mortgage

I requested a loan payoff in XX/XX/XXXX. Once received I sent it off usps certified mail with a negotiable instrument for the total amount needed to satisfy the balance due on the account. I can upload the proof of delivery. A few days after it was delivered, I followed up on a call to verify if the account was settled with United Wholesale Mortgage the servicer to my mortgage. The agent stated to me they could not find anything in the system showing receiving of any tender of payment. I waited a few weeks to see if it would turn up and it has not. I then ordered another payoff and sent in another instrument for the total payoff. I have the proof of delivery which i can upload. The agent at United Wholesale Mortgage ( servicer ) once again stated it they could not find the payoff and the instrument. 
31 CFR 596.307 - Monetary instruments.

596.307 Monetary instruments.

The term monetary instruments shall have the meaning set forth in 18 U.S.C. 1956 ( c ) ( 5 ), as from time to time amended. As of the effective date, this term includes coin or currency of the United States or of any other country, travelers ' checks, personal checks, bank checks, and money orders, or investment securities or negotiable instruments, in bearer form or otherwise in such form that title thereto passes upon delivery.

15 U.S. Code 1692f - Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section :.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act, XXXX, TransUnion and XXXX, had violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to USC 15 USC 1681 section 602 A, It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter, states I have the right to privacy. 

These addresses does not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX THIS IS NOT AN EMPLOYER THAT IM EMPLOYED AT XXXX XXXX
Product: Credit reporting

On XX/XX/XXXX - I noticed a bankruptcy showing on my Experian credit report. Experian is the only credit bureau showing this bankruptcy. I sent a letter to Experian requesting an investigation about the bankruptcy. Experian does not respond. 
On XX/XX/XXXX - I send a XXXX letter request an investigation and I do not receive a response XX/XX/XXXX - Experian sends a response saying that this item remains unchanged. At this point I am frustrated and do not know what to do so I write the United States Bankruptcy Court. 
XX/XX/XXXX - The U.S. Bankruptcy Court responds that they clearly do NOT furnish information to the credit bureaus NOR public record vendors NOR verify information with them. 
XX/XX/XXXX - I file a Consumer Financial Protection Bureau complaint to obtain bankruptcy details and find out the method of verification of this incorrect bankruptcy. 
Experian responds only with that they verified the bankruptcy, AGAIN withholding details I specifically asked for AND withholding the method of verification only vaguely stating that they used a vendor. Experian refuses to inform me WHO this vendor is and WHERE this vendor is getting this information from. Is Experian exempt from the Fair Credit Reporting Act? Is the Consumer Financial Protection Bureau useless? 
XX/XX/XXXX I again write to Experian and ask for details about this bankruptcy and ask for the METHOD of VERIFICATION. 
XX/XX/XXXX Experian sends me a canned response only stating that they refuse to further investigate. WITHOUT including the bankruptcy details of my request NOR including the vendor name/address/contact info I requested per my rights according to the Fair Credit Reporting Act. 

Again I have 2 main questions for you:1 ) Is Experian exempt from the Fair Credit Reporting Act? 
2 ) Is the Consumer Financial Protection Bureau useless? 


Experian 's mistake has been preventing me from purchasing a home and drastically affecting my credit rating. 
Then the United States Bankruptcy Court confirms to me that they do not communicate with credit bureaus NOR with any public record vendors. This should be removed from my report and should never have been reporting in the XXXX place. An updated copy of my credit report needs to be sent to me showing this has been removed as well. OR Experian should provide me with the bankruptcy details I am asking for AND for the vendor contact information which they are obtaining this information from.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are reporting past due amounts in which I have never been late. 
XXXX XXXX # XXXXXXXX XXXX XXXX card # XXXX XXXX XXXX # XXXXXXXX XXXX # XXXX XXXX XXXX # XXXX
Product: Debt collection

I have been getting mail about a medical debt that is to be honest. XXXX. It says as of XX/XX/XXXX I owed XXXX dollars.. when I went to XXXX XXXX that day I was not helped AT ALL. They brought me to a room where I sat in a bed for XXXX to XXXX hours while everyone in there ignored me. Not a single person came into the room to help me. After a while a man came into the room and told us to leave. I don't know why we owe XXXX dollars when we did not receive any help that day. At all. And would appreciate it if I would stop getting bills for something that is complete XXXX. I was not looked at by anyone that day. And sat in a room BY MYSELF and then told to leave after I had been there for a while. My husband was with me and can vouche that I did not receive a single bit of help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm went in to XXXX XXXX XX/XX/XXXX with a credit score of XXXX. Paying my debts on time took my score to XXXX. XX/XX/XXXX my score went downstairs 74 points. My creditors are showing a good payment history on my credit report but they put it in negative status. XXXX XXXX, XXXX Credit Card , XXXX XXXX. XXXX XXXX XXXX has me owing XXXX dollars when I only XXXX dollars. I've been doing everything I can to satisfy my debts with my creditors and raise my credit score so I can purchase a home. I do not think it's right for them to put me in negative status since they agreed to the terms bye XXXX XXXX. They were in a positive status. Then all of a sudden it's negative.
Product: Credit card or prepaid card

I ordered a gift card through XXXX XXXX on XXXX XXXX, XXXX. The card was never delivered. I have called the support line about 6 times since then, and have been very frustrated with the lack of results in crediting the XXXX points back to my account. 

My most recent conversation was with a supervisor named XXXX on XXXX XXXX, XXXX. While friendly, he was ultimately unable to credit the points back or do anything of significance to move the process along. He told me that a request had been made on XXXX XXXX, XXXX to defund the undelivered gift card and return the points to my account. On two previous calls to the support line, I was quoted a 30-day wait time for the process. XXXX told me that the wait was 60 days. 

Today is XX/XX/XXXX. It has been 77 days since XX/XX/XXXXwith no results.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 

XXXX has violated my rights. 
XXXX XXXX XXXX  ( # XXXX ) XXXX  XXXX ( # XXXX ) EQUIFAX HAS VIOLATED MY RIGHTS XXXX  XXXX ( XXXX ) XXXX HAS VIOLATED MY RIGHTS XXXX  XXXX XXXX XXXX XXXX  ( XXXX ) XXXX  XXXX ( 1682 ) 15 USC 1681 section 602 A states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written Instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

These creditors have violated my rights under 15 USC 1681 Section 602 as per the Fair Credit Reporting Act. In accordance with 15 USC 1681 Section 604a Section 2, I have the right to privacy. I also have the right to demand that a consumer reporting agency furnish the agency with an account only if I provide notice in writing ( 15 USC 1666b ). A creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose. The accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two collection agencies reporting two different medical claims to Equifax that have been paid. Equifax is the only credit bureau that has failed to properly investigate my disputes and delete the erroneous accounts. The other two bureaus completed a thorough investigation and removed the medical debt that is still being reported on Equifax. I have called and submitted disputes online. They are simply accepting the collection agency 's word over mine even though the collection agencies do not have any information to refer to to properly verify and validate the alleged debts. The original medical companies no longer have any of the files to verify anything. The collection agencies simply have an old bill. They collection agencies are XXXX XXXX XXXX and XXXX systems. Neither of these are medical providers thus they do not have any permission to follow up on any claims so they are attempting to collect from a single bill that they received from billing departments years ago. Those claims have been paid. Equifax has failed to thoroughly investigate my dispute. Both accounts are in violation of the NCAP settlement. The Equifax disputes department is not even aware of the NCAP settlement regarding medical debts. Instead Equifax is ignoring the 180 day policy and still allowing these collection agencies to report nonfactual information even though they began to collect less than 180 days from the original service date. The policy states collection shouldn't commence any less than 180 days from the first date of delinquency. 

The collections are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed late Payments are inaccurate on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep getting turned down for credit that I did not apply for and some letters say they can't confirm my identity. I didn't apply.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XXXX XXXX, XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. 

To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes. 

I kindly request the following : 1. Immediate removal of the erroneous address from my credit report.

2. An updated credit report reflecting the corrected information.

3. Written confirmation of the actions taken to resolve this dispute. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I was in contact with an Associated bank phone banker on a Sunday ( I dont have dates due to not being able to log into my account currently ) and was told I needed to go into a branch to dispute unauthorized charges that were on my debit card. The phone banker put a freeze on my debit card that day. I was able to get into a branch 2 days later due to work schedule and there bank hours. I spoke to the branch manager and explained to him there were 3 charges that  were unauthorized for over XXXX with international fees and charges. I signed the form that the banker went over with me and he submitted it to there fraud department. He did say I would be receiving notice of the dispute and that if could take 7-10 business days. I received no notice during the 7-10 days that my dispute was in processing or any form of update throughout the 7-10 days stating that it was in process. On the 10th day I received a notice in the mail stating my dispute was denied and that the charges were authorized based on the information gathered. I then called 2 different occasions and requested that information that was gathered that said I did make those charges. I have yet to receive this information and keep getting the same answer " we sent that department an email. '' I have not been given any information and noone has been willing to provide me a intelligent answer or provided me info regarding my dispute.
Product: Money transfer, virtual currency, or money service

I have an account with Coinbase. On XXXX XXXX, 2017, I sold XXXX for the amount of {$1100.00} ... I have yet to have this amount credited to my account ... it is still pending. Today is XXXX, 2017.
Product: Credit reporting or other personal consumer reports

I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # 's XXXX ( XXXX XXXX XXXXXXXX ) ... XXXX ( XXXX XXXX XXXX  ) ... XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX OF 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 instructions