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

Subject : Complaint Against EQUIFAX for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EQUIFAX for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$1500.00} I have previously disputed the accuracy of this charge off account with EQUIFAX and provided evidence that the information is inaccurate. However, EQUIFAX has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Product: Debt collection

On XX/XX/XXXX I had an ER visit. The two bills that occurred were for {$4200.00} and {$240.00}. Both were paid in full on XX/XX/XXXX. The claim from MLC was for an MD Bill. I did not see an MD during my visit. I also didn't receive any bills outside of the hospital. The hospital billing center confirmed that no other charges would have came from this visit since it was an ER visit. MLC is threatening to take legal action. This bill is false and fraudulent and I need the phone calls and text messages to stop and to be reassured this is done and over with.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name XXXX XXXX XXXXXXXX Account name : XXXX  XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX  XXXX XXXX Account name : XXXX XXXX  XXXX Account name : XXXX XXXX  XXXX Account name : XXXX XXXX  XXXX Account name : XXXX XXXX. XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX  XXXX Account name : XXXX  XXXX. XXXX Account name : XXXX XXXX. 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681S-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

I received medical care at XXXX Medical center which is in network with my XXXX Medicare Insurance. My XXXX consulted with a hospital XXXX concerning something during my XXXX. This hospital XXXX was in network with my insurance, however the hospital XXXX incorrectly filed their paperwork as out of network. They have been informed of their error several times. Despite these they have sent the bill to collection and impacted my credit score adversely
Product: Credit card or prepaid card

I have had a XXXX XXXX credit card from Capital One since XX/XX/XXXX. Somebody stole my card number on or about XX/XX/XXXX. I reported it stolen to Capital One on XX/XX/XXXX.

There were four pending charges on my account. One, was from XXXX  which was never actually charged. The other three were from a flower shop in XXXX XXXX, CA called XXXX. These charges were for {$110.00}, {$110.00} and {$85.00}. These were formally charged to my card onXX/XX/XXXX. For some reason that no one from Capital One could explain to me, XXXX  also refunded two identical credits of {$44.00} to my account on XX/XX/XXXX.

I spoke to three Capital One fraud agents about this. The first was on XX/XX/XXXX. They told me that the first priority was that I be made whole and that all of the money that was improperly charged on my account should be refunded to me within 72 hours.

I gave it a week. Nothing happened. I called Capital One again on or about XX/XX/XXXX. This agent said I should have had all of my money refunded to me by now and that he did not know why it did not happen.

OnXX/XX/XXXX, Capital One then simultaneously refunded me the three charges of {$110.00}, {$110.00} and {$85.00} while additionally charging me three charges of {$110.00}, {$110.00} and {$85.00}. In effect, I was still charged the money that was supposed to be returned.

The last call was XX/XX/XXXX. The fraud agents name was XXXX. Her ID # was XXXX. She told me that everyone else was wrong and that it takes an entire billing cycle to fix this problem.

The billing cycle ended XX/XX/XXXX, approximately one month after I placed my fraud report. I paid the bill in full. No action has been taken to refund my money.

When you call the fraud line you have to talk to someone before being put through to a fraud agent. I asked the person who put me through to XXXX  on the final call to file a complaint on my behalf. He told me that he did ; although, I have not heard anything about it from Capital One. Each phone call with Capital One takes at least 40 minutes. I do not have time to keep calling them just to hear why they can not follow their own protocol.

I would like for XXXX XXXX to refund the money to my account or to send me a check for the money owed. The money owed is the difference between the three XXXX charges ( {$110.00}, {$110.00} and {$85.00} ) and the two XXXX credits ( {$44.00} and {$44.00} ). This equals {$220.00}.
Product: Credit card or prepaid card

My Chase XXXX card was declined while using the card to make a transaction in XXXX in XXXX. 
I called Chase momentarily to request removal of the hold and was able to speak to the security team. 
They assured me that the hold was removed and I was able to use the card. 
Immediately after getting off the phone, the card was declined again. 
For the following next week, the card was declined for other transactions in XXXX, XXXX, and Colorado. 
After the trip, I called Chase to understand the situation and to get my card activated. 
They were not able to tell me why my card was still declined after speaking to security team. 
I requested that Chase refund the card annual fee for current year or the fee waived for the coming year. Chase said they are not able to do either option.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural living man. I am a human being. I have rights under 15 U.S.C. 1681 XXXX and DISCOVER is governed by 15 USC 1681 and they have violated my rights numerous of times. I demand this account be removed due to the following reasons. 

XXXX and DISCOVER FINANCIAL has erroneously since 2019 reported negative and false information to my credit report. 

These entities are reporting a charge-off account monthly on my credit report. 

I have asked them on multiple dates to provide verification of account but they have ignored my consumer rights and requests and proceeded to report this inaccurate data. 

According to 15 USC 1681 : I have the right to accuracy and privacy and I did not give DISCOVER nor XXXX written permission to furnish this account. 

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

I requested validation ( in the form of the original contract ) from the bureau for the fraudulent account. I sent in a letter and an FTC report just like the bureau requested before and I still havent received any original contract, and the information is still on my report. They responded that the information was correct and blatantly ignored my request which the law states that I am able to request the contract that they have on the file between me and this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Investigation Request Letter To Whom It May Concern : I reviewed my Consumer Reports and noticed that there was inaccurate information on my credit report XXXX Acct. # XXXX XXXX XXXX Acct. # XXXX and XXXX XXXX XXXX XXXX in XXXX XXXX # XXXX. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I contacted Experian and asked for them to investigate & remove the inaccurate 30 day late payment from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature that they have not been able to provide such proof to me. This is a violation of the Fair Credit Reporting Act and this disputed item may not appear on my credit report if it can not be supported by any evidence or proof. In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602A States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Request for Removal of Charge-OffXXXX XXXX Account Account Number : XXXX .... 
Account charged off. {$360.00} written off. {$360.00} past due as of XX/XX/year>. 

I am writing to formally dispute the inaccurate information being reported on my credit file in regard to a XXXX XXXX account with the account number referenced above. According to my most recent credit report, this account is listed as a charge-off, yet it is still showing a past due balance. 
Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure that the information they report is accurate and complete. Reporting a past due balance on a charged-off account is not compliant with federal guidelines, as a charge-off should reflect a XXXX balance since the debt is no longer actively owed by the consumer. 
I am requesting that XXXX take the following actions in accordance with the FCRA : Investigate the accuracy of the reporting of the XXXX XXXX charge-off. Correct or remove the inaccurate past due balance associated with this charge-off from my credit report. Please provide me with written confirmation of the results of your investigation. If you require any further documentation or information from me, please let me know at your earliest convenience. 
Thank you for your attention to this matter. I look forward to your prompt response and resolution within the 30 days provided under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is : XXXX XXXX DOB : XX/XX/1970 SS # : XXXX My current and only address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My current telephone number is : XXXX After reviewing my credit report and discovered is still reporting accounts that do not belong to me. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature. I am requesting the verification to follow reasonable procedures to assure the maximum possible accuracy of the information on my credit report. So, I am requesting you verify the items I am disputing to a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute and obtain either verbal or handwritten verification directly from a person at that. Please delete/remove the following unverified account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I previously filed an FTC report and a police report.
Product: Credit reporting or other personal consumer reports

Noticed some inquiries that aren't mine, they are fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several dispute letters have been sent to all three Credit Bureaus relaying that Company is no longer is business. Company is no longer in business. A letter was sent on XX/XX/2021 and was sent back to Consumer. 
[ XXXX XXXX  ] with a RETURN TO SENDER-NOT DELIVERABLE AS ADDRESSED-UNABLE TO FORWARD. Creditor is not apart of the XXXX.
Product: Bank account or service

Complaint against PayPal Synopsis : PayPal unfairly locked my account and held my account balance for more than 180 days before I was ablet to access it. Even after providing all the information requested, the account has not be restored for full access. Account continues to be limited and useless to me. I am not even being allowed to close my account ( I do not want my credit card and bank account information to continue to be saved on their website )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I have been unable to get my updated credit report and score from Experian for the past 3 months and I have been writing and requesting this information continuously with no resolution or response from the company
Product: Credit reporting or other personal consumer reports

I received a text message on XX/XX/XXXX from Credence Resource Management , LLC. Stating that they are attempting to collect a debt that i disputed with XXXX XXXXXXXX XXXX XXXX back in XX/XX/2024. This was removes due to lack of verification and this being a FTC violation of code 15 USC CODE 1681S-2. It looks like XXXX XXXXXXXX has since sold my information to the above. Again direct violation of FTC. I disputed this with XXXX and they stated the information is correct. However it is not. Also, it is missing collection agency address a contact number.
Product: Debt collection

XXXX XXXX has bought multiple minuscule debts of mine to get me to pay more money. One of the debts was originally owned by XXXX XXXX. I was summoned to court over a month ago. I tried to work a payment plan out with the lawyer there but she couldnt get in touch with anyone at the office. I was told I would be notified by email or a phone call within the next 30 days and specifically told them to leave a voicemail if I did not answer. No call at all in over a month
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX Not my account Victim of Fraud Identity theft Have contacted company
Product: Checking or savings account

Mercury, a fintech company who privded bank account services to small businesses, works with XXXX XXXX XXXX, an FDIC insured institution. Today Mercury locked our account, under the name XXXXXXXX XXXX XXXX XXXXXXXX XXXX without providing any notice or explanation and refuses to answer emails. The funds on the account are locked and in the end of Mercury. 

How can your complaint be satisfactorily addressed? 
We need the account unlocked We need access to all the transaction data for accounting purposes We ned the funds available transfered out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called American credit acceptance a numerous number of times since the beginning of covid-19. I have been out of a job since XX/XX/XXXX. They told me that if I fell behind on my payment that it wouldnt effect me. Because, I was waiting on unemployment.
Product: Credit reporting, credit repair services, or other personal consumer reports

according to the Fair Credit Reporting ACT, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Singnautre on it ) you have on file of the accounts listed below.your failure to positively verify these accounts has hurt my ability to obtain credit.Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a dispute for inaccurate names on my reports addresses that I am not living at to all three agencies. I also did this process in XXXX of XXXX and was put back on my XXXX report. I enclosed documentation providing proof of my identity, and current address, as instructed to do the website. The three agencies have not removed the incorrect names and addresses.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I  immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday and social security number was used to open accounts that are not mine. Please remove these items from my report. 

XXXX XXXX XXXX {$9800.00} XXXX XXXX   XXXX {$350.00} XXXX XXXX {$650.00} XXXX XXXX XXXX XXXX {$580.00}
Product: Bank account or service

A couple of days after I noticed XXXX separate fraudulent charges on my business debit card I immediately called and cancelled my card and sent an email to the Assistant Vice President and Sr. Branch Manager who manages my account. He sent over an affidavit for me to fill out and he submitted. The bank put credits on my account for charges. Several weeks later they received notices from the vendors that they were 'valid ' charges and they revoked the previous credits. I sent a certified letter to my branch fraud department disputing the decision asking them to reconsider and the information they sent me from the vendors had false information about my identity, even the delivery address where the items purchased online were delivered. Then I did n't hear back after about 4-5 weeks I called and they said they no longer handle the cases and I needed to work directly with my branch. I 've been going back and forth with my bank, they say they 've done everything they can and I would need to work directly with the merchants to get my money back. One merchant I ca n't get through too, one said I should have a credit coming, that my bank will not confirm, one I spent an hour on the phone to be told I need to work with my bank to get my money back. My bank does n't answer me back for days or even weeks at a time and feel I 'm getting the total run around. I 've been diligent about going through the proper steps and keeping in contact with my bank. So as of now I am at a loss. I work too hard to lose over {$600.00} and need help!
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I recently received a copy of my ( Experian, XXXX, or XXXX ) credit report, and I noticed some late payments and inaccurate accounts posted on my credit report : I HAVE NEVER BEEN LATE ON THIS ACCOUNT : XXXX XXXX XXXX  : XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I was never been late on this account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my acct. If you can not supply this, please DELETE these alleged late payment from my credit report per 15 USC 1681b.

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL, Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish this on my credit report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not includeSubject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactory with deletion of the above referenced acount and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting or other personal consumer reports

This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : Late Open XXXX  XXXX XXXX XXXX {$33000.00} Date Opened : XX/XX/2022