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

During several months in 2022, I have contacted the credit reporting agencies with various inaccuracies on my credit file. The agencies have not resolved the errors at all and just list erroneous comments that should all be removed. 
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In accordance with the fair credit reporting act the following companies have violated my rights by listing multiple inaccuracies on my credit file : XXXX XXXX XXXXXXXX XXXX ( account # XXXX ) - Is listed on my credit without my consent. Service was never rendered and equipment returned. The status and comments are inaccurate and should be removed. 
XXXX XXXX ( account # XXXX ) - The status is not derogatory and comments are inaccurate and should be removed. This account was sold to another lender. 
XXXX ( account # XXXX ) - The open account dates are inaccurate. The account was closed. The status and comments are inaccurate and should be removed. 
XXXX XXXX ( account # XXXX ) The status and comments are inaccurate and should be removed. The car was returned and no balance is due. This finance company is involved in predatory practices and engages in constant harrassment. I was listed as a cosigner without my knowledge. 
XXXXXXXX XXXX  ( account # XXXX ) - The status and comments are inaccurate and should be removed. This XXXX XXXX has another name listed on the account. This financial institution engages in constant harrassment tactics. 
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One or more of the following FCRA laws have been violated : >> 15 USC 1681 section 602-A states that I have the right to privacy.

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>> 15 USC 1681 section 604-A section 2 states that consumer reporting agencies can not furnish an account without my written instruction or consent.

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>> 15 USC 1681i - Procedure in case of disputed accuracy states that inaccuracies must be removed if inaccurately reported, for any and all reasons. I have provided multiple reasons and inaccuracies. 
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>> One one address should be listed on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( and no other address should be listed. Only on phone number should be listed on my credit file : ( XXXX ) XXXX ( and no other phone number ).
Product: Debt collection

I am filing a complaint against this collection agency because I disagree with the amount that the company is trying to collect : {$7500.00}. I have repeatedly asked for an itemized detail of the charges to show what constituted that amount. However, the collection agency only responds with a copy of the lease and a one-page statement that just says {$7500.00} on it. A copy of the lease and one page that says {$7500.00} does not constitute and itemized detail of charges. They have still not provided the information that was requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX and requested a debt validation pursuant to 15 USC 1692g. In order to validate a debt, an alleged creditor has to submit 5 criterias, this is not optional and no part can be missing. Pursuant to 15 USC 1692g, within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. Attached is the correspondence I received from XXXX proving they were unable to validate this alleged debt. I have disputed this debt several times with Equifax and you repeatedly concluded your investigation as this debt was validated and it remains on my consumer report. I need to see what they are sending you that is different from what they are sending me. I demand Equifax provide me with the method you used to investigate this an valid and ALL documentary evidence pertaining to this account and why you feel you have enough evidence to keep furnishing this information on my consumer report. If you can not provide me with this evidence, I demand you delete this account immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX was contacted on XX/XX/XXXX to inquire about changes on my credit report. I spoke with XXXX XXXX in the recovery department who explained there was no department I could speak with to address how the credit is being reported. I asked to speak with a supervisor. A supervisor did not come on the line but I was able to speak with a Senior Account Manager, XXXX XXXX who advised the account ending in XXXX was noted on XX/XX/XXXX that the account should be deleted. At that time I requested that no information be deleted from my credit report because ambiguous information or a lack of positive history could tank my credit score. I was told the account would be noted and was provided an address for general correspondence to dispute the action. I have multiple disputes regarding the late payment history that has shown on my credit reports with XXXX XXXX and have been advised the information being reported is accurate. I did send a letter in XX/XX/XXXX and did not receive a response to my request. After my communication in XXXX XXXXXXXX XXXX has taken steps to accurately report late payment status and began in XXXX and over the last few months removing positive payment history up to the dates where the negative payment history began with this account. My credit score has subsequently dropped almost 100 points. There was one other event that impacted my credit score negatively where a 25 year old debt I had forgotten about resurfaced. The removal of the positive payment history changes the calculation and all credit card usage for a few months caused my score to drop 12 or more points although I was at a low to moderate credit usage ( 12 % or less ). On one week only my credit card payment was updated and dropped by score. Equifax showed a payment amount was reported and when contacted insisted to reach out to the credit card company. I was told by XXXX XXXX that the new balance is being reported only and accurately and to create a dispute with the credit reporting bureau who has the ability to identify the payment amount based on the previous months payment. My complaint is that incomplete information was created by the deletion of accurate and positive payment history. Also Equifax is reporting the account as a revolving account that is closed and not as an account in collections. Equifax shows the difference between the credit limit and the balance owed as available credit. This is calculated individually as a percentage of credit usage on a closed account where credit is not available. I don't know if the card company or the credit bureau is responsible for relaying that a closed, written off account has an available credit amount. I have read multiple articles provided by XXXX XXXX who suggests that card holders pay debts off within 90 days to avoid negative reporting to their credit reports. Although this is true and standard for active cards heading toward default, the subject matter of the article was in regard to removing negative payment history on reported in scenarios that include defaulted cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times how they are violating the Fair Credit Reporting Act. 
On XXXX/2023 and again in XXXX/2023 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy. 

According to 15 USC 1681s-2 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. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.
Product: Money transfer, virtual currency, or money service

Veterans Affairs ( VA ) : VA Medical Care Copayment Pay.gov Tracking ID : XXXX Transaction Date : XX/XX/2018 XXXX XXXX EST Transaction Amount : {$50.00} Payment Type : Bank account ( ACH ) Transaction Status : Complete Payment Date : XX/XX/2018 Frequency : One Time XXXX/XXXX - CODE XXXX
Product: Credit reporting or other personal consumer reports

It said the payment history was wrong the credit report had XX/XX/year> on the credit report when got the history from the company it was different and they didn't delete it
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report from XXXX XXXX dated XX/XX/2022 after I applied for a business credit card. The info posted by XXXX XXXX XXXX for account # XXXX IS INACCURATE AND NOT VALID. 

After multiple requests, XXXX XXXX XXXX has failed to provide documentation of any agreement between them and I, that gives them right to continue to bill me after I told them I no longer want their services. I never had a contract with XXXX XXXX XXXX and never signed up to be their customer. I was customer of XXXX XXXX and after my contract with them was up, I was on a month-to-month basis payment without contract. XXXX XXXXXXXX was bought out by XXXX XXXX XXXX at some point and they increased their prices. I made contact with them and told them that I no longer want their services, as they increased the price from what I was previously paying and did not want to replace the defective equipment that was given to me by the previous company with a lifetime warranty replacement. XXXX XXXX XXXX is not owed any money, they continued billing me eventhough I told them I do not want their services, until I sent back their bill back with " RETURN TO SENDER - RECIPIENT NO LONGER AT THIS ADDRESS '' on the envelope.
Product: Money transfers

I found and contacted the seller of a XXXX for {$1200.00} on XXXX on or about XXXX XXXX, 2015. The seller is listed as : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXXAfter a series of communications, the seller gave me an XXXX Payments Order ID XXXX, asked that I send the purchase price through MoneyGram to that company 's attorney, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX. This was done on XXXX XX/XX/2015. 
I learned that the funds were picked up by XXXX XXXX in XXXX XXXX on XXXX XXXX. 
I have sent a number of emails to XXXX XXXX asking for a status report with no response. 
I want to knowXXXX Is this a scam or not,XXXX If yes, how do I get my money back? 
XXXX How can we stop this experience help stop future scams
Product: Debt collection

On XX/XX/XXXX I was made aware of a derogatory mark on my credit report XXXX XXXX, XXXX, and XXXX  ) per XXXX. Upon further observation, this collection was paid in full on XX/XX/XXXX to Credit Management LP via XXXX XXXX. Credit Management LP has violated my rights as a consumer and I am requesting legal action to remove this collection account immediately. Debt was paid in full two years ago and has a {$0.00} balance but is still currently appearing on my credit score in collections and I wish to have this account taken off immediately. I have reached out to Credit Management LP in reference to the incident but havent received any feedback.
Product: Credit reporting

I have disputed the way this account has been reported on my credit files on several disputes. Experian continue to list the account with the negative information, the last time I disputed the account was XX/XX/XXXX and have not been able to dispute the information since that time every time I try to dispute I being told account has been dispute already. The account is now begin listed with only the Charge of date and all the other information was remove from the account which make the negative information stay on my credit file longer. I have my credit report from XX/XX/XXXX with the complete history of the account with states this account is schedule to continue on file until XX/XX/XXXX, completely different that what is reported XX/XX/XXXX.
Product: Debt collection

OK Basically I am not disputing the debt owed. I was paying XXXX dollars a month to XXXX on a closrd account. Then for some reason they stopped sending me statements. Then I started getting calls from US Bank asking for a verbal agreement to pay off the debt. My concern is if they are legitimate, or are they a scam. I verbally agreed to XXXX a month and asked for a statement to be mailed with the due date of XXXX of each month I have not received a statement as of this writing. Also according to my credit report this debt was writen off by US bank. The debt is XXXX acount number ending XXXX US bank XXXX XXXX XXXX XXXX Mo. Phone # Recovery dept.XXXX Mon-Fri XXXX CST
Product: Bank account or service

Bank of America treated my unfairly by charging me XXXX {$35.00} overdraft fees. I had {$220.00} in my account on XX/XX/2016. I charged {$4.00}, {$84.00}, and then an automatic deduction posted for {$230.00}. They allowed my debit card to work so I believe the auto payment took place after the XXXX smaller charges. They cheated me out of {$70.00}. I believe I should be penalized for the {$230.00} charge only. I would like to receive credit for both erroneous fees. I called today, waited on hold XXXX minutes, the employee waive XXXX fee and I requested to speak with her supervisor. She placed me on hold, came back XXXX minutes later and said she would now transfer to supervisor, the phone rang XXXX times and they disconnected me.
Product: Debt collection

Reference numbers XXXX and XXXX. Department of Veterans Affairs account : XXXX and XXXX Consider this notification that I am disputing this debt with the US Department of the Treasury for {$65.00}. XXXX and {$72.00}. XXXX. This amount was for a co-pay that was improperly billed to me. As a XXXX XXXX XXXX member, there is no co-pay. The XXXX XXXX XXXX HAS received payment for the dates of service. A co-pay and resulting interest was negligently sent to me and should be expunged according to the Federal Trade Commission. Failure to do so can result in a FTC complaint and " Notice of Penalty Offenses '' up to {$50000.00} per violation ; my case has two instances which would total {$100000.00}. 
Please find a Copy of the VA Inspector Generals complaint that has also been submitted.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  is knowingly reporting late payments on my payment history, even though the statements made available through their online portal and statements sent through the mail do not not any late payments or late payment fees on any of my statements. The representative that I spoke with on XXXX of 2024, refused to acknowledge the discrepancies and refused to correct the issue. This has caused detrimental damage to my credit report across of three credit reporting agencies. 

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

4. Third Party Supplemental Information ; Supplemental Consumer Credit Information ; XXXX  Teletrack  ( XXXX XXXX XXXX, XXXX, Georgia XXXX ) ( XXXX ) Requested by XXXX  XXXX XXXX on XX/XX/2017 I never applied for a loan. Called the company and was never able to resolve the issue. They were rude.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, NEW YORK, XXXX Date : XX/XX/XXXX Subject : Complaint against XXXX XXXX XXXX for unauthorized consultation of my credit Dear Sir, I am writing to file a complaint against the company XXXX XXXX XXXX, following actions that violated my rights as a consumer and caused damage to my credit score. 

On XX/XX/XXXX, following a pre-qualification obtained ViaXX/XX/XXXXXXXX, my Wife and I went to XXXX XXXX XXXX to purchase a XXXX XXXX XXXX. However, after purchasing this vehicle, I was surprised to find that the XXXX XXXX XXXX XX/XX/XXXXhad ran up my credit file with several financial institutions on XX/XX/XXXX, without my prior authorization. 

This unauthorized consultation of my credit, carried out by XXXX XXXX XXXX, constitutes a clear violation of my consumer rights. The institutions with which my credit was consulted are the following : * ALL FINANCIAL XX/XX/XXXXXXXXXX/XX/XXXX * XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * XXXX * XXXX * XXXX XXXX XX/XX/XXXX This action had the direct consequence of deteriorating my credit score, which created considerable financial and personal harm. Despite my numerous reminders and my approaches to XXXX XXXX XXXX, no action has been taken to rectify this situation or to repair the damage caused to my credit file. 

I therefore request the urgent intervention of the CFBP so that an investigation is conducted into this situation, that corrective measures are taken, and that XXXX XXXX XXXX assumes its responsibility by repairing the damage suffered. In particular, I request the correction of my credit score and the clarification of this illegal consultation. 

I thank you in advance for the attention you will give to this complaint. I remain available to provide any additional document or information necessary for the examination of this file. 

Pending your response, please accept, Madam, Sir, the expression of my distinguished greetings. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX Balance Owed : {$100.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$520.00} XXXX  XXXX Balance Owed : {$770.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Sender entered information and submitted payment for immediate international money transfer. When recipient went to retrieve money, recipient was told that the account associated with the reference number was blocked. Same issue occurred when transaction was completed with cash. Since then, Sender has been unable to contact Moneygram to cancel the transaction and online features are unavailable through phone. IP addresses of laptop and cell phone are also tracked and blocked from certain features of the website and reference number is tracked to receive limited information over the phone when calling customer service. Reference number is routed in circles through automated recording even though availability of live person is addressed. Final prompts skip the option to speak to a live person when deemed appropriate. 

XXXX, XX/XX/2019, XXXX XXXX PST ( online ) XXXX, XX/XX/2019, XXXX XXXX  PST ( Walmart, XXXX XXXX XXXX XXXX, XXXX  XXXX, CA XXXX ) ; XXXX, XX/XX/2019, XXXX XXXX PST ( Walmart, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ). 

XXXX XXXX XXXX XXXX XXXX, Industry Station Report No. XXXX, XX/XX/2019 ( regarding removal of money transfer form from vehicle when vehicle was parked in adjacent parking lot on XX/XX/2019 following in store transaction )
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony bank Sams Club card holder is reporting inaccurate information of late payments on my credit report for several years account was paid and theyre still reporting inaccurate information. I have spoke with the company three times and the third-party XXXX who they sold my account. I have sent synchrony bank document verifying the account has been paid in full and theyre still reporting the count as negative and late. The problem has been ongoing for over 90 days and I have asked for them to delete the count since Ive given them more than enough time to correct my account and they still have it
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting to Experian that I made 5 late payments XXXX XXXX XXXX XXXX XXXX ) in XXXX. I did not make ANY payments on XXXX XXXX XXXX or XXXX. I've disputed this INCORRECT information both with XXXX and Experian with the answer that " that's just how they entered a deferred if not contacted '' I was NEVER notified that I needed to contact XXXX and to this day I still have no ideas as to why I needed to contact them. But it does up on the 9 OPEN ACCOUNTS which should have been consolidated when XXXX bought it from old student loan company. I'm on my 5th different " student loan account owner '' my entire life is affected by this " credit report '' along with the discriminating in every possible way, " background report '' please help amend THIS credit report so I can get a better job and an actual home of my own
Product: Money transfer, virtual currency, or money service

I am a XXXX just getting established. I set up a business PayPal account to conduct my business. I was asked to verify my account through PayPal, which I did. They asked for specific documents required and I gave all of them, as requested. This morning they suspended my account indefinitely, holding on to almost {$400.00} of my clients hard-earned dollars. This looks incredibly bad on me and my new business. No one could give me an answer as to why this happened and I was basically hung up on by a supervisor. Please help me spread awareness about the fraudulent activity from PayPal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had some issue with my credit file reflecting inaccurate information. I am Self Employed I do not work for the following companies : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX   Please delete these from my file they are not accurate. My name is spelled XXXX XXXX. XXXX please delete any other names they are not mine. I do not live in Florida and the following addresses are not accurate please delete them : XXXX XXXX XXXX , XXXX, FL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX The following numbers are not accurate : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unauthorized inquiry from XXXX XXXX XX/XX/2020 on and XX/XX/2020 on my Experian, XXXX  and XXXX  credit report. I never authorized this inquiry or told them they could pull my credit report. I am requesting the inquiry to be deleted or changed to a soft inquiry since hard inquiries have a negative impact on my credit score. I already disputed this with the CRA.