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

These transactions were not made by me. I did not give XXXX, XXXX XXXX or Experian written consent to furnish this info on my consumer report.
Product: Credit card or prepaid card

The company attempting to collect the debt has no original contract with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I paid off a XXXX account with XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) ; the balance had been {$5200.00}. By XX/XX/XXXX, the XXXX web site showed the account as paid in full and closed. 

On XX/XX/XXXX, Equifax was still showing this account as having a balance of {$5200.00} and a utilization rate of 70 %. The company claimed they received this information on XX/XX/XXXX from XXXX, which isn't possible. I disputed the status/amount AGAIN, and on XX/XX/XXXX, after " reinvestigating '' the dispute, Equifax again claimed that this was correct information, and that it had been received from XXXX. 

It's simply not possible that XXXX would still be reporting an account as open and having a large balance THREE WEEKS after the account was paid off and closed, when XXXX 's web site shows the correct information. Equifax is now refusing to correct the information, and tells me that all I can do is " add a statement '' to my credit report noting that I " disagree '' with their results.
Product: Credit reporting or other personal consumer reports

I sent my first letter on XXXX enclosing the following. Please VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATIONS associated with these accounts, ( i.e.an ORIGINAL CONTRACT BEARING MY SIGNATURE ). I formally request that this information be immediately corrected or deleted from the credit file you maintain under my social security number. 
Please note that you have 30 days to complete your investigation, as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ), and I am keeping a CAREFUL record of your actions. Failure to respond satisfactorily within 30 days of RECEIPT of this letter will result in a small claims action against your company. 

15 USC Code 1681e ( b ) Accuracy of report 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. 

15 USC Code 1681i5 ( A ) In general If, 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. 

I was receiving stall letters and tactics and followed up with another letter on XXXX enclosing. I demand verifiable evidence bearing my signature/electronic signature. This letter asserts my consumer rights under the Fair Credit Reporting Act, specifically Section 605B ( 15 U.S.C. 1681c2 ) and Section 604 ( 15 U.S.C. 1681b ). I have contacted the relevant companies and found these actions were initiated without proper validation or original documentation from any of the reporting entities. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Basically, I first of all contacted XXXX XXXX on XX/XX/2023 in regards to a refinance! After several phone calls I finally reached him! After applying I was told by XXXX it was taking more time than expected so I waited a week! Then I contacted XXXX again he instructed me that I had a XXXX score and I needed a higher score! He said if I paid off credit card we could do a rescore and it would push my score up to where it need to be! I paid the credit card off in full! He told me I should have an answer within 24 hours! After several attempts to reach XXXX he told me its taking more time! So I contacted the regional manager and asked if I could get someone else to help me out! Finally I was forwarded to a new person who was XXXX XXXX! So now XXXX instructed me that there were other things showing on my simulator report from XXXX XX/XX/XXXX that need to be paid! I asked why is it XX/XX/XXXX over XXXX weeks later and I had no knowledge! XXXX told me he didnt wan na talk about past stuff lets just move forward! He said can u pay the other stuff so I can run a rescore for u! I said I was told XXXX weeks ago that it was ran by XXXX so obviously I had to start over! So after realizing that XXXX had never done anything I got frustrated and told them I rather just go to another company bc I was not properly informed! Ive been waiting I dont like the treatment! And plus XXXX had been deceptive!
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 : Acceptance Now Account Number : XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX XXXX Account Name : XXXX / XXXX Account XXXX : XXXX XXXX Account Name : XXXX Account Number : XXXX XXXX Account Name : XXXX Account Number : XXXX XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX XXXX Account Name : XXXX Account Number : XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX XXXX Account Name : XXXX Account Number : XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Has violated my rights I looked at my Equifax report on XX/XX/year>, 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 1681i 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In general, 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 the 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, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 
1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXXXXXX AZ XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX 4. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit card or prepaid card

On XX/XX/XXXX, I wrote a letter to XXXX XXXX XXXX, XXXX of American Express regarding an auto policy refund that was sent to American Express by XXXX from XXXX XXXX XXXX California XXXX XXXX XXXX ). My father passed away on XX/XX/XXXX so I called American Express and XXXX XXXX to close/cancel his account. When I canceled my late fathers auto insurance policy, hes supposed to receive a refund of {$500.00}. When I called XXXX XXXX, they stated that they sent the refund to American Express since my late XXXX uses his American Express credit card to pay his auto insurance. Per XXXX XXXX, the refund check was sent on XX/XX/XXXX reference number XXXX. 

Up to this time, I have not heard from American Express regarding my letter that was sent via certified mail and received on XX/XX/XXXX.
Product: Credit card or prepaid card

I have had my PayPal account for a few years, when I started doing buisness I switched to the PayPal business account, for all my purchases, and as a place to accept payments for my online store. 
The products I was selling in the beginning were $ XXXX- {$100.00}. 

Recently I scaled my business into a wholesale business and Im now getting $ XXXX- $ XXXX orders. I guess that raised suspicion, with no reason they froze my funds {$800.00} of MY MONEY FROM MY BUSINESS THAT I received, I hadnt shipped the orders out but it had been about 3 days, ( not a long time at all ). 

I usually take 1-2 weeks to ship. 

They wouldnt tell me why they froze the funds they just said we dont think youll be a good match for us any question I asked they said due to security reasons we can not tell you why were closing your account. 

In other words, youre going to have to take your business elsewhere. 

It has ruined my entire business. I was relying on that money for my future customers. AND THAT PLATFORM! 

Theyre holding my money for SIX months! With no explanation as to why! 

XXXX!!!!!
Product: Money transfer, virtual currency, or money service

Sent moneygram from a cvs location for {$500.00}. Receipt provided to me had invalid transfer number. So, moneygram denied receiver the money. Visited moneygram office numerous times but have been told CVS has given invalid transfer number and they are supposed to refund you.

CVS location is not refunding my money or helping me with the transfer.

Its been 3 months of running around and I cant even get my {$500.00} back let alone damages and other costs incurred visiting these offices and talking to customer service teams. 

Receipt attached : moneygram send transfer receipt cvs payment receipt letter to cvs regarding this issue ( no response from them ) CVS Location : CVS Pharmacy - # XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX Apart from my {$500.00} refund, I am liable for damages due to waste of time and money.
Product: Payday loan, title loan, personal loan, or advance loan

-I filed a similar complain under a different category. Since this is not a traditional personal loan or business loan, I am submitting 2 complaints. One for each category that it may fall under. 

-On XX/XX/XXXX I paid a contribution amount of {$2500.00} for inclusion in the platinum plan XXXXUnlock Wealth loan program . The plan ensured a loan contribution of $ XXXX to be paid in equal parts over a 2 year span. Members were required to pay back the contribution loan of $ XXXX. 
-After confirmation of payment/contribution a loan number was never provided to me. 
-Per the contract, once the contribution was made for the applicable tier, members would begin to receive distributions within XXXX weeks. 
-I never received a distribution of any type and began to email XXXX/Unlock Wealth. I also went to their XXXX page only to find that they had turned off comments, and deleted message from other individuals who paid into the system and had not received disbursements. The email responses were vague at best with an attempt to pacify. As a result, I request a refund of the {$2500.00} that I paid. I was told it would be processed, but I never received my funds. 
XXXX XX/XX/XXXX I attempted to file a claim with my bank to try to retrieve my funds ; however, the claim was denied due to the length of time from when the funds were paid to XXXX and the date that I filed the claim. 
-On XX/XX/XXXX, XXXXUnlock Wealth deactivated my account so I no longer had access to any information located in my account. 
-I filed a XXXX  complaint and XXXX  responded that they had never done any business with me and did not know who I was.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is an account that is on my credit report and is not mine. I dont feel Ive gotten a proper investigation and cant get a good reinvestigation of this item.
Product: Debt collection

I submitted a prior complaint about this company suing me over an older debt. I was paying them monthly out of my bank account with no issues for XXXX hears. They moved and never notified me. My checks were getting returned since their address was no longer valid. I have bank statements to back this up that will match up to the date they started the lawsuit. They then replied back to my CFPB complaint stating that, if I wanted to talk about it and set up a payment plan, to call them directly. Well, I tried but to avail. I tried every number they have listed as well as sent them letters via postal service and emails. XXXX is impossible to get a hold of even though they say to call them at a given number. When you call, you have options or leave a voicemail which I also did. No return phone call and none of the options they give you work. You simply get disconnected from the call no matter what option you pick. They are a dirty collection company with the full intent to sue you regardless of any valiant effort to call them and clear it up. YOU CAN NOT GET IN TOUCH WITH THEM .... I sent them a letter with my intent XXXX weeks ago from today XX/XX/year> and never received a response. I get a letter in the mail from them yesterday saying that I have 10 days to get a lawyer. This is a dirty, dirty, collection tactic. As I stated prior, I am going to be reporting them to the XXXX XXXX  XXXX XXXX as well.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the following accounts has violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX5 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section D2A ( I ) : the consumer report does not include reports containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by SECTION 1637 ( B ) OF THIS TITLE is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor XXXX repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge XXXX not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with Fair Credit Reporting act 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 has violated my rights 15 U.S.C 1681 section 602A. States I have the rights to privacy. 15 U.S.C 1681. Section 604A section 2. It also States a consumer reporting agency can not furnish a account with out written consent with out my wri
tten instructions
Product: Payday loan, title loan, or personal loan

I first recieved a text stating I was approved for a XXXX loan and was asked to call the number listed, when I did call back they then asked for my bank acc/routing numbers to send the loan, when I gave them my info they stated that they don't deal with my bank, only other option I had was to purchase a XXXX XXXX XXXX. I use XXXX  online bank which is through XXXX, a very legit banking company and so this whole issue strikes me as a scam! I need verification, thanks!
Product: Debt collection

I was contacted in XXXX by Southwest Credit Systems for a debt owed to XXXX XXXX XXXX. I finished paying the debt in XXXX of XXXX, and as of today XXXX XXXX XXXX has not received the payment from the third-party debt collectors, and Southwest Credit Systems claims they sent the money to XXXX XXXX XXXX. Neither company can tell me where the money is.
Product: Credit reporting

This company has XXXX reports on my credit for internet loans of which I have no knowledge from another company. I have disputed more than once and they will not change nor provide any signed contract. I have been working on my credit and this I the main thing holding me back and I do n't now what to do next to take care of it. 



AD ASTRA REC XXXX XXXX XXXX TX XXXX XXXX, XXXX Closed {$1200.00} Account Details Last Reported XXXX XXXX, XXXX XXXX XXXX AD ASTRA REC Original Creditor XXXX XXXX XXXX TX Status XXXX Opened Date XXXX XXXX, XXXX Closed Date -- XXXX {$1200.00} High Balance {$1200.00} Remarks XXXX Item Results Result : XXXX, XXXX XXXX XXXX XXXX. 
Dispute Reason Ownership : XXXX. 
AD ASTRA RECOVERY SERVICES XXXX XXXX XXXX TX XXXX XXXX, XXXX Closed {$0.00} Account Details Last Reported XXXX XXXX, XXXX Collection Agency AD ASTRA RECOVERY SERVICES Original Creditor XXXX XXXX TX Status Closed Opened Date XXXX XXXX, XXXX Closed Date -- XXXX. 
Balance {$0.00} High Balance {$650.00} Remarks XXXX See something wrong? 
You could dispute an error with XXXX. 
Manage Your Collections Accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had a data breach in XX/XX/2017. When I inquired into their site I was advised that it was likely my information was among the data affected by the breach. Since the breach one of my credit cards was victimized by fraudulent activity. I have since had to shut that card down and have it replaced. I don't know what other actions might have occurred or still might yet occur as a result of the breach.
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 : AXXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

When I try to connect an external account and it says that pnc has made changes that prevents you from being able to link your accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX  monitoring found me in these following data breaches : XXXX  Reported XX/XX/XXXX, XXXX Reported XX/XX/XXXX, XXXX Reported XX/XX/XXXX, XXXX Reported XXXX, and XXXX Reported XXXX. I am disputing the following information due to it being incomplete and inaccurate. I've submitted disputes for the past 10 months with documentation supporting my claim of identity theft. 

This Credit agency has refused to comply and do their just diligence with removing fraud from my credit report. I've requested they show me how my claim was investigated which is my right under United States law, this was completely ignored thus violating my rights and breaking the law. Each time I Called the company directly to speak to a specialist after I explained the situation I was hung up on my their representatives,
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX This account is incorrectly being reported as a charged off account with a balance due. Also I was apart of the lawsuit settlement XXXX XXXX XXXX XXXX. 

XXXX XXXX BANKRUPTCY This XXXX  XXXX bankruptcy is reporting a status of discharged but my credit report is still showing a balance due on a Installment account that was opened prior to the bankruptcy on XX/XX/year>. 

XXXX XXXX XXXXXXXX MY DATA WAS EXPOSED IN THE EQUIFAX DATA BREACH
Product: Credit reporting or other personal consumer reports

I have requested the credit bureaus to remove fraudulent information from my credit report. To date, although I have seen some changes, they have still not removed XXXX of these accounts ( a fraudulent credit card account from XXXX XXXX ). I am not sure if this is an issue with the creditor or the credit bureau, but I am submitting this request so that proper action can be taken.