23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX sold this " alleged '' account to XXXX XXXX at XXXX XXXX XXXX XXXX, FL XXXX. I disputed this account and it was removed from one of my credit bureau. It is still on my XXXX report. I am requesting that this debt be removed from all credit bureau as no one has validated this debt and this debt has now been sold to another collection agency called, ERC ERC - Enhanced Recovery Corporation XXXX, Florida XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Toll Free : ( XXXX ) XXXX I do not have a relationship with this company and I am requesting that they remove this debt from all credit bureau.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 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: Debt collection

A collections account was opened against me XX/XX/XXXX for an amount of {$620.00}. I have never heard of this company nor have I received any information from this company. I tried calling the company to only be met with a voicemail and never heard anything back. I've disputed this with XXXX and they failed to remove the collection from my account which I have no knowledge of. The balance right now is {$730.00}. An investigation/dispute through XXXX has been made in XXXX of XXXX and XXXX refuses to reinvestigate the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This appears to be a XXXX credit card account # XXXX. I have disputed this account with Innovis numerous times and a thorough investigation was not completed. The account is reporting as charged-off with no historical history. It is listed as a collection/charge-off account, but reporting a positive payment history with XXXX as if payments are being made up until XX/XX/XXXX. It states that the last payment was made on XX/XX/XXXX. This information does not match with what is reported for XXXX and has been changed numerous times with Innovis without explanation. Innovis continues to report inaccurate information and continues to extend the date for removal on my report. Due to this, it has continued to affect my credit report over the past few years even though it states under 15 U.S. Code 1681i - that If after a reinvestigation of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency must promptly delete that item of information from the file of the consumer, or modify that item of information to reflect the results of the reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've requested via online disputes as well as calling the credit bureaus to delete two incorrect and out dated address that are listed on my report. I in turn reach out to the said creditor to make sure they have my correct information and requested they update their records and they have assured me they have done so but the credit bureaus insists on still reporting the wrong info, please have them delete this incorrect information
Product: Credit reporting or other personal consumer reports

My info was exposed in XXXX data breach and Im also a victim of identity theft On XX/XX/XXXX I looked a my credit report and noticed some fraudulent inquires that I did not run. All of these inquiries below has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b Please. 

XXXX XXXX ( Auto ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Shellpoint Mortgage Servicing CHANGED information previously reported as accurate, on my Credit report more than a year after the account was closed I believe this was done maliciously in coordination with XXXX XXXX to cover up sloppy bookeeping. Dates of payments received were changed XX/XX/XXXX AFTER I disputed information from my Credit report that showed XX/XX/XXXX payment was paid & verified as ACCURATE by XXXX XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX. My rights under FCRA are being violated. The information provided in my credit reports ( XXXX XXXX XXXX ) are unfair, inaccurate, incomplete & totally unverifiable!
Product: Checking or savings account

I began using a new bank this week, Chime Bank, based on the fact that they help build credit and seem very easy to work with. My paycheck was direct deposited into my Chime account at XXXX on XX/XX/XXXX, totaling XXXX dollars along with a XXXX dollar referral bonus. Because the account was opened this week, I had yet to receive my debit card. I needed to transfer some money from Chime into my alternate checking account but could not figure it out in the app. So at XXXX on XX/XX/XXXX, I called Chime customer support where they attempted to assist me and claimed my account needed to be activated and they would take care of that for me. The customer service agent instructed me to check the app again in 45 minutes and I would be able to transfer money without any issues. When I went to check my account an hour later, XXXX dollars had been transferred out to a dummy account leaving me with XXXX dollars. I immediately called Chime and after 3 hours they were able to confirm that my account had been hacked by the previous customer service agent and they had taken my money. Chime said they could not give me a temporary credit and could potentially never get my money back. I've filed an official police report against Chime and the customer service agent that hacked me. Chime is currently investigating the fraud and will be updating me. I can supply those documents to you as they come in. 
Because of this, I can not pay rent, can not afford my prescriptions, dog food, gas, phone bill or any food for myself. I'm broke until my next paycheck and even though Chime can confirm it was their employee who took my money, they refuse to do either to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently took a look at my consumer report and I was extremely confused. In accordance with the Fair Credit Reporting Act, EXETER FINANCE LLC has violated my rights. 
- 15 USC 1666b states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. I was never late on this account. Please show me documentation showing proof of transaction showing I was ever late to support your inaccurate reporting on my consumer report.

-15 USC 1681s-2 ( F ) ( i ) ( II ) states that the covered period for consumers affected by covid started XX/XX/2020 and ends 120 days after the date on which the national emergency concerning COVID-19 outbreak terminates.
Product: Bank account or service

I am an attorney with a law practice in XXXX. I am familiar with fraudulent offers, etc. Recently I found out through my CPA office that someone fraudulently filed an federal income tax return for 2015 to claim my refund. Fortunately the IRS picked up on this and with their help, today over the phone the fraudulent return was denied. About two weeks ago, I also received what appears to be a fraudulent offer from netSpend, XXXX, TX XXXX. They sent me, without my applying, a debit XXXX card in my name with instructions on how to activate it and to have money placed in it directly from my employer. I am hopeful I can attach a copy of the flyer to this complaint. If not, I would like to send it to you at some point. My wife and I both checked online and found numerous complaints about XXXX 's bad business practices. There was even an instance where the owner of a card that was not activated, was charged fees on his card and it was reported to a credit bureau that he had an outstanding debt to the netSpend. I tried calling their customer service number and could not speak with a live person. They only wanted my social security number or the card card account activated, both of which I refused. I want this card account terminated so that no charges or fees can ever be placed on it.
Product: Debt collection

I incurred a hospital debt for XXXX from XXXX XXXX XXXX XXXX. The date that this was incurred was XX/XX/XXXX. At that time I was under a financial grant from XXXX  to cover 95 % of my debt. About 6 months later I started receiving collection notices from americollect collection services. At the time I started receiving these notices I was unemployed due to covid so I had no money. In XXXX of XXXX I went back to work. I at that time contacted americollect to let them know about my grant so I could settle this debt. They told me I had to e-mail them a copy of my grant. So I went through the trouble of going to the hospital to get a copy of the grant then e-mailed it to them. I was told to call back in a couple of weeks so they could get it and log it. When I called back they are now trying to tell me that the date incurred was actually XXXX and would not be covered by the grant. This is not true. I did not have a hospital visit in XXXX. When I researched this debt with both XXXX and XXXX. The date listed as date of service is XX/XX/XXXX which is correct. So I should only owe Roughly {$30.00} of the XXXX they say I owe. I want to get this off my report but am not willing to pay them the XXXX when I don't owe it. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 Transunion customer service would not help and take care of the erroneous inquiries that I reported to them on my credit report. I spoke with two customer service agents at thier organization that were very unprofessional and didn't offer any solutions to my issue.
Product: Credit reporting or other personal consumer reports

I attempted to place a credit freeze online but was unable to do so. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ) Name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX
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 XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX 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

To Whom It May Concern : Upon reviewing my credit report, I noticed discrepancies on my credit report section, which I believe is inaccurate. I am requesting your assistance in investigating and correcting this information. Possible financial, is Removed and deleted off transunion but still reporting on Experian. I understand the importance of ensuring the accuracy of my credit report, as it impacts my financial standing and ability to access credit. This item is currently showing inaccurately on my credit report filed with your credit bureau.

Pursuant to 5 U.S.C. 552a ( i ) ( 3 ), I am requesting that this disputed item be removed permanently from my credit report immediately. This statute states that any agency which fails to maintain any record with accuracy, relevance, timelines and completeness as is necessary to guarantee fairness in any determination shall not use such record. 
According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. 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. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

One company says it is in the mail and one I will reach on Monday because they are closed tonight. The company I have reached discharged all the balance but it is still on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer by law. I did not submit this in error. I didn't give my written permission to use my private information. I'm seeking compensatory damages.
Product: Checking or savings account

I have been banking with XXXX for less than a year my paydays to both my jobs has been large amounts ever bi-weekly this goes back months large and small as came out when I have used my ( card ) account for purchase shortly after my account is charged again or without knowledge of transactions even point of sales charges point of sales charges for an example most gas station pumps take out more but eventually return funds to my account I don't care for paying at the pump for that very reason, so I go in story and pay shortly after purchase I am charged again if u already paid for the amount wanted to realize you being paying double for items that wasn't authorized ever used charged merchant at store doesn't have a clue to explain are who to call to fix the problem so I contact my bank XXXX for one there no live person to contact on online rather than typing is not something that I do creates an issue rather than explain to and individual are trying to navigate through your app while disputing and typing conversation with agent through texting I also told them that I could send proof of my purchase by receipts couldn't provide me any information, so I ask to talk to a hirer ranking person never did thats when i realize what kind bank i dident want to trust funds with
Product: Credit reporting or other personal consumer reports

I am writing to formally request the urgent removal of a public record from my credit report that I believe was improperly verified and reported as a result of insufficient investigation by the credit bureaus. The inclusion of this public record, specifically related to bankruptcy information, is negatively impacting my creditworthiness and financial opportunities. 

On XX/XX/XXXX, I sent certified letters to each credit bureau requesting the following critical information regarding their verification process for bankruptcy data before it is included in consumer reports : 1. **Sources Used for Verification : ** I requested that the credit bureaus specify the sources they utilize to verify bankruptcy information, including any databases or public records consulted prior to reporting.

2. **Identity Confirmation : ** I inquired about the methods employed to confirm the identity of the individual associated with the bankruptcy record.

3. **Verification of Social Security Number : ** I specifically asked whether the social security number ( SSN ) tied to the bankruptcy was verified. If the SSN was not verified, I requested an explanation of how the credit bureau ensured the accuracy of the bankruptcy information without this essential verifier.

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are mandated to ensure the accuracy and integrity of the information they report. Section 607 ( b ) of the FCRA clearly states that a consumer reporting agency may not furnish a consumer report containing inaccurate information. Furthermore, Section 611 gives consumers the right to dispute inaccurate or incomplete information, obligating the agency to conduct a reasonable investigation of such disputes.

The lack of thorough verification and the absence of the requested documentation raise significant concerns about the accuracy of the public record in question. Given that I did not receive satisfactory responses to my inquiries, it is evident that the reporting agency failed to meet the standards of due diligence required by the FCRA.

For these reasons, I respectfully request that the CFPB investigate this matter thoroughly and facilitate the immediate removal of this public record from my credit report. The presence of this record, based on insufficient verification, is unjust and detrimental to my financial health. 

Thank you for your prompt attention to this urgent matter. I look forward to your swift response and resolution.
Product: Debt collection

Have called them multiple times and have told them to stop calling but they continuously keep calling and wont reveal their business name or address even though they say it's a debt from Citibank ( who has no knowledge of why they are calling me ) so I can put it in writing or pursue legal action against them ... .last calls were XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Product: Student loan

XX/XX/28 Request was sent for student loan refund. I was told processing wait would be 10-14 weeks. Have not received any refund or change in balances on Aidvantage loan servicing.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XX/XX/year>2022 XXXX  XX/XX/year>2022 XXXX XXXX XXXX, XXXX XXXX CA, XXXX