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

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the accounts are even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

I sent XXXX via certified mail on XXXX, XXXX 2022 a request to investigate the inaccuracy of these accounts that show up on my consumer report. I pointed out that their also several violations of Fair Credit Reporting Act ( F.C.R.A ) and Non compliant with The Gramm- Leach-Bliley-Act ( GLBA ) to this date i have not heard back from XXXX of any updates. 

15 U.S.C. Sec. 1681i ( a ) 15 U.S.C. sec. 6802 ( b ) ( 1 )
Product: Credit reporting

I disputed this item with Equifax that this item does not belong to me, they came back saying that this item was verify by the creditor and that I should contact the creditor for more information. I try get them to tell me what method did they used to verify this information, but was told that it all electronic and there is not a person that they spoke with. I asked then how can you verify this information when you did n't speak to a rep from the creditor but she say that how Equifax verify information. I contacted XXXX XXXX XXXX XXXX to send me a the contract agreement that I consent to contract but they refuse to sent me the information instead asking me to resend the information that I already sent to the in my letter, which include the account number, the date of last activity, account satuts and amount due/charge off. XXXX XXXX reporting on Equifax that this item was charge off /sold {$8500.00}.
Product: Mortgage

A new mortgage company took over my mortgage and it started in XX/XX/XXXX all payments were made early and on time till five months later they took one of my payments and said they gave it to my original mortgage company and said it was because my original mortgage company had returned a payment in XX/XX/XXXX I called many times to resolve and was told if I send bank statement for XX/XX/XXXX that shows no refund was made they would put back the payment and I would not have to pay all the interest which is over a XXXX dollars now but after submitting the papers they denied it and said I still owe a payment and late fees
Product: Money transfer, virtual currency, or money service

I want to open a checking account with XXXX XXXX  and TD bank is blocking my ability to send my first deposit to them from my checking account with TD
Product: Money transfer, virtual currency, or money service

Case description : We already discussed about my account ( It was closed because I linked more than the allowed number of Visa cards ) Then you made me wait 180 days Then I asked for my money back and it was returned to my account Here is a description of the problem : The problem is that I can't withdraw my money because my account doesn't allow me to link my bank Here is a screenshot of the error that appears when trying to link the bank PayPal_ Wallet.pdf ( XXXX KB ) ( I have tried more than one bank account, I am very sure that their status is active and there is no problem ) And here is a screenshot when I followed the link indicated in the first screenshot Resolution Center.pdf ( XXXX KB ) ( didn't helps ) Also I tried to contact support but they only reply with default reply 's that didn't helps!. 

Thanks for CFPB, PayPal team.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Capital One for failing to validate the account XXXX. Despite requesting verification, no supporting documentation has been provided, violating the FCRA. 

Violations : Failure to Verify Within 30 Days FCRA 611 ( a ) ( 1 ) ( A ) : No timely verification.

Inaccurate Reporting FCRA 607 ( b ) : Reporting unverifiable information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I submitted documentation and a Dispute letter for unknown and inaccurate accounts on my credit report its over 30 Days now but I haven't received any response yet. I was a victim of XXXX data breach. Need to remove those unknown and inaccurate accounts or I will file litigation.
Product: Credit card

Due to XXXX list my job for over a year. Went to consumer credit counseling services for help. After going to creditors myself and not getting assistance. XXXX XXXX XXXX got most to help. Accept XXXX. The XXXX that would not work with them continue to charge me late fees and interest. Example XXXX such card charges me a late fee every month of XXXX dollars. My payment is XXXX dollars then the charge me interest. This bill keeps going up. My limit was XXXX now over XXXX. It will never be paid. They have never worked with me yet send me letters stating they are here to help but when you ask they refuse to help just want money. How is any of this ethical or legal?? Similiar issue with the other bank.
Product: Debt collection

I Have received medical treatment for various reasons, including an accidental fall at a XXXX store thru XXXX XXXX  XXXX. The medical bills from this accident, has been submitted properly to XXXX because XXXX has neglected to pay anything. I have being in therapy for a year now, XXXX 's and other specialty treatments have taken place because of this. XXXX health has also treated me for other important tests proper of women 's health. XXXX has paid all of this bills reasonably, but XXXX has continously sent us billing even if I am not visiting the hospital, to a point where I dont know if we are paying more or not or the same bills. Without prior notification, this bills have been placed on my credit report, and has created our economic situation worse, because my husband, who is a XXXX veteran, has even paid some of these out of our own pocket to avoid them damaging my credit, but the problem is, now I have 4 colelctions and always from diffrent colectors with no prior notice of neither. By the time we get the bill, this are on my record. My husband, who is a former medical manager from the XXXX, has told me, that they might also be violating the federal law, because supposely when they charge and accept XXXX, that suppose to be final. 

By the dsame token, XXXX XXXX is overcharging, by dividing one visit into different medical professionals within the same clinic for that one visit, so i keep getting bills as if we were reach. 
The last bill I got for {$3000.00}, stated for us to contact XXXX to pay them, because they have not succeeded. Why should we do work of this anture for free and we dont know the process, they have been getting paid all along, and suddenly, Iam afraid this debt is going to suddenly show up on my credit. You will see that my credit has been ruined by this medical company in a short amount of time. 
Also, froederert hospital does the same XXXX and charged me only XXXX dollars as a residual for a bill of similar charges by XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of a Data Breach and Identity Theft. Please block and delete the following accounts within 4 business days under The Fair Credit Reporting Act Section 605B, 15 USC 1681c-2. Please block and delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

On XX/XX/XXXX, I made a purchase with XXXX and I paid through Klarna a slit your payment into 4 app and was approved for the total Transaction of XXXX. XXXX sent me a message asking me to update my payment method as the items were being sent separately and they were trying to recharge by alerting me to update my payment method after they were initially paid by Klarna. I did not receive several items that they got paid for by Klarna. I was sent to collections for items not received. I initially contacted XXXX and spoke to XXXX in XXXX XXXX who informed me that the full refund was going to be sent to Klarna which did just not the correct amount. My total purchase for the items that I received was XXXX and not a XXXX more. They have not taken care of this and I have been getting the runaround or wrong information. Meantime I am being sent to collections by Klarna. XXXX is commiting Fraud. I contacted XXXX today as they have yet to process the full refund to Klarna as promised and got hung up on deliberately by a XXXX named XXXX and another supervisor named XXXX today XX/XX/XXXX claiming that it has been more than 30 days since the purchase and they can't help me however I made them aware within 30 days and it is them that are not following through accordingly. They both hung up on me when I requested to speak to their Manager. I immediately received an email survey from XXXX in which I documented this. XXXX got paid for items that they don't even show on my order history on my XXXX account. Some show cancelled, some are neither cancelled nor on my order history yet they were in my original order and paid by Klarna so they are not reporting accurately and they can't even find all of the items that they got paid for by Klarna because they were cancelled and don't even pop up as cancelled item in their system and other items were broken up into different order numbers. This is a mess and they won't fix it because its time consuming to find the items and figure out what order number they were sorted into. 
Total initial amount of loan with Klarna was XXXX on XX/XX/XXXX Items received 6 items for the total amount of XXXX. 
Attached list is itemized list from Klarna. 
Items received by me were XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Total= XXXX ( PS ) Everything else on that list was not received. 
No one is helping and I am being sent to collection for items that were never received!
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX  with a balance of {$1900.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, consumer, natural person and original creditor of an open end credit plan. I received a copy of my consumer credit report and I am now aware of some negative payment history that is being furnished without my written consent. Pursing to the FCRA 15 USC 1681b ( a ) ( 2 ) you may not furnish a consumer report without the written consent to report anything on my consumer report. No consent is identity theft. However, under 15 USC 1681a ( 2 ) ( i ) Exclusions from a consumer report include information solely as to transactions or experiences between the consumer. By law you can not furnish transaction history. Transactions are late payments, this needs to be removed now. According to 15 U.S. Code 1681 ( a ) ( 4 ). The information being reported is false, misleading and fraud. All in which so has caused many damages over time. Pursing to the FCRA15 USC 1692d a debt collector may not engage in the use of criminal means to harm the physical person consumer or my reputation. These late payments are damaging my reputation. They have also caused me great harm, mentally and physically. Pursing to 15 USC 1692e ( 2 ) ( a ) a debt collector may not use the false representation of the character of a consumer. Late payments are character damaging. It states you cant report the character of any debt meaning its in my character to pay late based on my consumer report. This is tarnishing my character. I am demanding that you remove every late payment. According to 15 USC 1681a ( q ) ( 3 ), identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. The term " Person '' in this section 15 USC 1681a ( b ) means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. In this case this corporation ( Experian ) is in violation. This is identity theft and as a result, the late payments must be removed and blocked from my file.To conclude, under 15 USC 1681c you must block any information in my file from an alleged identity theft, no later than 4 business days after the date I provide the details to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous items that need to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my Transunion credit report on XXXX XXXX, XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 am conducting a forensic audit on my credit profile and discovered that you are reporting inaccurate information on my credit report. This account XXXX # XXXX has been charged off, which means the creditor has forfeited the right to collect on this account which is now a taxable income of which I have assumed tax liability for it as an income to me according to IRS. I have requested a 1099-C Cancellation Of Debt Form from the original creditor but they declined and denied charging of this account as well as stated that they are not obligated to issue me a 1099-C. Please be advised that this account has multiple inaccuracies eg, CO was listed multiple times instead of once. 15 USC 1681eb states that you have a responsibility to report maximum accuracy on my credit report. Ultimately, this creditor is in violation of my rights under FCRA, 15 USC 1681b and 18 USC 1028A which states that the creditor must obtain written instruction from me permitting them to report my information to the credit bureau. Secondly banks and credit bureaus are passing around my information without proper authority. Please, I need this account deleted from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in regards to a late payment that was recently reported to my report. This late payment is very disappointing because I am in the process of applying for a new apartment and I will not be approved with a late payment. I have reached out to the creditor and they have stated there is nothing that they can do. I am currently trying to obtain a loan to help me catch up with my bills and with a late payment that is not possible. I am moving to a new apartment at the end of XXXX and with a late payment I will not be able to move into a new apartment, Penn fed has no sympathy for loyal customers who have made all of their payments on time. I am having extreme hardship due to COVID and I am under an enormous amount of stress because of it. I do not feel it is right to continue to punish someone for a mistake they make due to a financial hardship.
Product: Credit card or prepaid card

In early XX/XX/2019 on a Frontier Airline flight to Colorado the flight attendant made a very compelling sales pitch for the Frontier Airlines Master Card credit card ( through Barclaycard ). She said it was unique because unlike other cards we wouldn't have to wait several billing cycles to get the XXXX promotional mileage points. As soon as we paid the annual fee of {$79.00} and made a single purchase in any amount, the points would be deposited into our Frontier mileage account. We took her up on the offer, got two forms and both my husband and I applied with the short one page application on the flight and handed in the applications. 

We were both approved a few weeks later and received our cards. We were billed the {$79.00} on XX/XX/XXXX, I made my first purchase on XX/XX/XXXX, and my husband on XX/XX/XXXX. We both paid our credit card bills in full on XX/XX/XXXX. We waited for points to be deposited and when they didn't appear I called Barclays account service department. They told us that their policy was that the bonus points would be deposited 4 to 6 weeks from the date we paid the first statement bill if we had also paid the annual fee. They said this information was in the fine print of the documentation they sent out with the cards. 

I told the account supervisor that we applied for the cards on the basis of the information we were given on the flight by the attendant, and in the form she gave us and we signed. It said nothing about 4-6 weeks from the date of first payment. This is false and misleading marketing. We applied for both cards in order to save hundreds if not thousands of dollars on holiday airfare. By waiting in vain for the points to appear we put off purchasing airline tickets, and the cost of the travel we need to book has now gone up substantially. 

This is nothing more than a marketing scam. I told the supervisor at Barclays that we wanted them to honor the deal offered by the Frontier representative and to deposit the miles into our account immediately. They said they had a process that wasn't aligned with what the frontier representative told us, and that there was nothing they could do.
Product: Debt collection

I have sent police reports and text messages t o Capital One explaining  the debt is not mine, and they still refuse to accept the fraud claim. I have appeared to every trial date and reached out to the police. They served my court appearance to my roommate and told him they were trying to collect a debt from me.
Product: Credit reporting 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. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX  Account NamXXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a dispute with Experian. Experian place unverified public records information for a third party for hirer company. Experian refused to remove the inaccurate information and stated that the company they received the information from said it was correct. This is a clear violation of the fair credit reporting act.