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

I have been disputing this account for XXXX  regarding the repeated charge-off that appears on my account each month. I have asked them to validate the debt by sending me a purchase agreement, assignment contract, or something displaying my wet signature showing that this alleged debt is mine. 
Debt Validation Request under 15 U.S.C. 1692g ( FDCPA ) Verification Request : Pursuant to my rights under 15 U.S.C. 1692g, I am requesting that you provide the following information : 1. The Amount of the Debt : A detailed accounting of the debt, including the principal, interest, fees, and any other charges that have been applied.

2. The Name of the Creditor to Whom the Debt is Currently Owed : Including the name and address of the original creditor if different from the current creditor.

3. Verification of the Debt : A copy of the judgment ( if applicable ) or other documents showing that I am indeed legally obligated to pay this debt.

4. Proof of Your Legal Right to Collect the Debt : Documentation that you are authorized to collect this debt on behalf of the creditor.

5. Complete Payment History : Showing how the amount claimed was calculated and all transactions related to the debt.

According to the Fair Credit Reporting Act ( FCRA ), specifically sections 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ), and 623 ( a ) ( 2 ) ( 15 U.S.C. 1681s-2 ( a ) ( 2 ) ), information furnished to consumer reporting agencies must be accurate and complete. A charge-off should not be reported each month as a new charge-off ; instead, the status should reflect the original charge-off date and not be reported repeatedly as if it were a new event.

This by this action being taking each month it affects my credit score, credit report, and credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

There seems to be an error on my consumer report furnished by ( companys name ). On my consumer report, there is a late payment reported which is causing me damage to me as a consumer and limiting my ability to extend credit. I allege that ( company name ) is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. According to 15 U.S. Code, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information and congress has stated there shouldnt be any late payments? Is ( companys name ) attempting to cause some form of harassment to me and violate my right as a consumer purposely? I was never given a reasonable way to opt or limit sharing my creditworthiness according to their privacy policy. Payment defined under 15 U.S Code 78m Payment is define as commercial development of oil, natural gas, or minerals therefore what form of payment has ( companys name ) has been excepting for the last years of under the United States Code it is define as commercial development of oil, natural gas, or minerals? 
Is there a yield of the investment on the account due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my personal consumer report needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of 5 business days to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be Returned back to me.
Product: Mortgage

I was denied a modification on my loan twice. After paying the application fee, providing all the documents requested. I was threaten about losing my home .Had to struggle to make my monthly payments, was told could not help. Threaten foreclosure had to take more loans and further get into debt. Felt like l was being bullied or force no matter what.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting or other personal consumer reports

This is a formal dispute regarding Experians mishandling of my prior disputes and their failure to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). The CFPB 's recent lawsuit highlights systemic issues with Experians handling of consumer disputes, which are directly relevant to my experience. 

The account below I previously disputed the following information on my Experian credit report Account Name : XXXX XXXX XXXX Account Number : XXXX Disputed Issue : Unverifiable account, Incorrect Account number, Past due amount, account Status Despite submitting evidence to support my dispute, Experian failed to conduct a proper investigation. Specifically : 1. Sham Investigations : Experian failed to convey the full details and supporting documentation of my dispute to the data furnisher. Instead, they appear to have accepted the furnishers response without question, even though it contradicted the evidence I provided.

2. Failure to Provide Investigation Results : The response I received from Experian was vague, confusing, and did not provide specific details of their investigation or evidence supporting their decision.

3. Potential Improper Reinsertion of Inaccurate Information : I am concerned that Experian may have improperly reinserted information I previously disputed and believed to be corrected.

Experians actions appear to violate the following : FCRA 1681i ( a ) : Failure to conduct reasonable investigations of disputed information.

FCRA 1681i ( 5 ) ( B ) : Improper reinsertion of previously deleted information without proper notice.

CFPA Prohibitions : Engaging in unfair acts or practices by failing to ensure accurate investigations and providing misleading or ambiguous responses to consumers If Experian can not provide adequate documentation or results of a legitimate investigation, I will escalate this matter further by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action under the FCRA and CFPA. 
I look forward to receiving a response within 30 days, as required under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

There Was A Credit Card Account Opened With PNC Bank. I Have Fought With PNC For Years Over This Credit Card. I Informed Then Right Away That It Was Not My Account. I Have Submitted Complaints And Several Disputes On All 3 Major Credit Companies And Still No Resolution. I Have Been Trying To Have This Removed From Credit Report For Years. The Account Was Opened On XX/XX/2016. Balance XXXX
Product: Money transfer, virtual currency, or money service

My bank is n't sending updated information to XXXX XXXX. Cant take out any money until that happens.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed and given documentation of all the collections I have settled or paid off. This account, XXXX with TransUnion has been settled. is no longer in collections. This needs to reflect and updated as I requested. Please see attached doc.
Product: Credit card

I purchased the product on XX/XX/XXXX in the amount of {$280.00} and I didnt receive a tracking number information so I filed a dispute with paypal but I received items so I paid {$280.00} and requested to cancel my dispute. Then paypal already gave me a conditional credit of {$280.00} resulted in my credit card balance became negative $ XXXX. The dispute case was closed so they take this conditional credit back so my balance became XXXX on XX/XX/XXXX. 

However, the merchandise told me that the dispute was still open and {$280.00} is not released to the merchandise so i contacted PayPal and PayPal told me to contact PayPal cashback XXXX by Synchrony bank and told the bank to notify PayPal to close the case ; however no matter how many times i told the synchrony PayPal XXXX to tell PayPal, the case was never closed and is still active as of today. 

I kept telling/calling PayPal XXXX numerous times to close the case made them close the same dispute case twice and they charged me {$280.00} again after they adjusted to charge me {$280.00} which resulted in my credit card balance is {$280.00}. I called PayPal XXXX to fix this error but on the contrary, they charged me another {$4.00} which made my balance went up to {$280.00}. Upon calling PayPal XXXX by synchrony bank, the representative told me he had no idea where did the extra {$4.00} come from as this amount hasnt seen anywhere in my account activities. 

It seems to me that PayPal XXXX never notify PayPal to close the dispute case and on top of that, they charged me redundant another {$280.00} charge on me for nothing, plus $ {$4.00} and it seems to me this would never resolve by contacting PayPal XXXX. I need help. I called more than 50 times and they still dont solve this problem
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification of everything on my credit report and they said they did and stated that everything was accurate. But when I did my own investigation, I noticed that there where still a lot of improper inaccuracies on my report even after the did their investigation. For example, XXXX Account # XXXX XXXX which is an opened collection Account type. Has all kinds of inconsistencies where it is showing that it was opened with XXXX on XX/XX/ and Equifax XXXX  and never opened with XXXX I also could see that the last reported dates the last active and last payment dates were all inconsistent. 
In accordance with the fair credit reporting act XXXX Account # XXXX XXXX violated my rights. 

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

15 U.S.C 1681 section 604 A. it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/22 XX/XX/22 XX/XX/22 XX/XX/22 XX/XX/22 Navy federal Credit Union XX/XX/22 In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15USC1681 section602 states I have the right to privacy.15USC1681 section604 ( a ) section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666 ( b ) a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

on XX/XX/XXXX i deposited a check in the amount of {$35000.00} into an account with truist bank that did not belong to me in XXXX, Pa. I did not endorse the check and I verbally advised the cashier of this. The cashier said he was putting it in as a deposit only. I had never met the person who's account I deposited the money. I was advised by a third party the account number, routing number and the name of the account holder. this transaction was to be a down payment for a house in North Carolina. On or around XX/XX/XXXX I got an email from the third party stating the checks were fraudulent per Truist bank. The checks were valid checks from my retirement fund at XXXX. I have contacted XXXX to get my money back. They said they did every thing appropriately and in good faith. I have contacted XXXX and Truist bank many times since XX/XX/XXXX. Truist bank is stating they did not cash the checks and are holding the money and will not release it until XXXX requests. XXXX is stating the checks are cashed and there is nothing they can do. Bottom line I want my {$35000.00} back.
Product: Debt collection

One of the debt is paid off I contact the number on file but can not get anyone. When I paid the debt it was agreed to be place off my report. Account # XXXX. These accounts is negatively affecting my credit score and I would like it taken off XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint using information obtained from XXXX credit reporting agency. 

On XX/XX/18 I filed a dispute on my XXXX credit report. It was showing that I had 3 public record reports. A few days before the 30 day deadline, it was closed with no change. I contacted XXXX, to see where the information come from. 

XXXX  gave me a tremendous run around, then ended up naming multiple companies as the source. I am filing this complaint on all of the services that XXXX stated where involved. I am hoping that if you where not involved, that you will at least provide a letter stating that you did not report the public record information to be true, and correct as XXXX  has stated. 

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, La XXXX XXXX XXXX The dispute timeline was filed on XX/XX/XXXX-XX/XX/XXXX XX/XX/2018. Once again I ask if you are not the involved party, please at least for the protection of myself, and your name a statement that you have not reported, not obtained a public record search. 

XXXX is using merged information, violations of the FCRA, and there breaking the law to try to push this off on me, and others. Please I am begging you to do the right thing, and help me fight XXXX. 

If you are the reporting co, please leave proper contact information, so I may call you, and get this taken care of. 

Thank you in advance, XXXX
Product: Checking or savings account

I opened a checking and a saving account with citibank.com for a XXXX $ bonus. The webpage states How To Earn Your {$600.00} Bonus You must open a new eligible consumer checking and savings account in The Citi Priority Account Package until XX/XX/2018. 
Within 30 days of opening your account deposit {$50000.00} new-to-Citibank funds into the checking or savings account. A minimum of {$5000.00} must be in the checking account and a minimum of {$100.00} must be in the savings account. 
Maintain a minimum balance of {$50000.00} in your eligible linked checking and savings account for 60 days. 
Upon completion of the requirements, the {$600.00} bonus will be credited to your new checking account within 90 calendar days. 

I opened the accounts on XX/XX/XXXX and deposited XXXX $ to the saving account and another XXXX $ to the checking account. The money has been with citibank for over six months. I met all the requirements and citi customer service acknowledge that. However, they just kicked the balls and promised dates for me, but never really deposit the bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

, In XX/XX/XXXX, I was hit by a car while crossing the street, I had to go to XXXX   Hospital for emergency treatment. Upon release I hired the law firm of XXXX & XXXX to assist me with my case. The law firm handled payments for all of my medical expenses which also included XXXX XXXX. Upon settlement the hospital was issued a payment in the amount of {$6200.00} on XX/XX/XXXX check # XXXX, for payment in full for services rendered, I had received collection letters from Gold Key Credit which is located at XXXX XXXX XXXXXXXX XXXX, XXXX FL XXXX. I contacted them on numerous occasions notifying them that the {$190.00} was paid by my attorney. There file number for this matter is XXXX in the amount of {$190.00}. This agency has a bad reputation for reporting items that do not exist and are notorious for harassing consumers. I contacted XXXX who advised me to contact them again directly, XXXX has since deleted this derogatory information from my credit report. On XX/XX/XXXX I sent the collection manager another letter with the correspondence along with a copy of the check issued by XXXX & XXXX. As in the past I have yet to hear from them, these are services which were paid in XX/XX/XXXX, for an incident which happened in XX/XX/XXXX. We are in XX/XX/XXXX and I am still dealing with this for an invoice already paid, my wife and I are in the process of buying a house through the VA and this derogatory information is an issue. I have also contacted the attorney generals office for assistance, if you have any questions or need any additional information please feel free to contact me directly. Thank you in advance. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

inquiry XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX unauthorized individual gains access to my personal information, such as Social Security number and driver license, and uses it to open fraudulent accounts and also make unauthorized purchases., my credit report show unfamiliar credit inquiries, accounts, or outstanding debts that i did not initiate. list of unauthorized account i did not initiate are give any permission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OAG CHILD SU
Product: Credit card

I am retired aged XXXX years. I lost my job in XX/XX/XXXX. 
Now my main source of income is retirement benefits from social securityJob loss and XXXX surgery to my wife make me unable to meet financial commitments in paying medical bills and credit card payments. 
I have a debt of {$20000.00} on credit cards since XX/XX/XXXX and a personal loan.from XX/XX/XXXX. 
Till today I am able to pay all the payments to credit cards and personal loan without any back payments. and defaults. 
My main source of income is {$1000.00} from social security as retirement benefits. 
Hear after I may not be able to continue the payments with very high interest APR. 
Requesting all the credit card companies to reduce my interest rate to the maximum possible and help me in paying off their dues. 
I am great full to the CFPB management for this helping hand to the needy consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried 5 times to have this incorrect bankruptcy removed off my credit report. 
XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

XXXX : Each time I receive a post card in the mail from XXXX illegally responding saying " we do not have sufficient information to process your dispute '' even though I provide all my information including my drivers license and a recent utility confirming my address. My dispute gets received by them through regular postal service and electronically. XXXX over the phone confirmed with me that they go to XXXX XXXX to get their information which is illegal as my XXXX XXXX report is frozen and I have opts out in sharing of my information to any 3rd party company like XXXX. Also the fact that XXXX XXXX nor XXXX have my consent to share my information and that XXXX seems to feel that its okay to violate my federal rights by accepting 3rd party information when they are only allowed to receive information from the direct creditor ( court house ) The court house does not report to the credit agencies so this bankruptcy needs to be removed immediately. 

Transunion : This credit agency is by far the worse as each and every time rather then do a investigation they state that I would need to dispute with LCI Consumer Center which is OWNED by Transunion and LCI stores that information. Again, Transunion is in direct violation of my federal rights by obtaining information about me without my consent, sharing it through there sub sister company LCI. LCI gathers it from another 3rd party source know as PACER which again are both not direct creditors or debtors. Transunion fails to properly investigate and remove this inaccurate bankruptcy off my credit report. 

XXXX : XXXX out of all the 3 major credit agencies does at least investigate and get back to me on each dispute I have faxed over and mailed. But again XXXX is guilty of the same thing XXXX does by accepting and reporting from a 3rd party vendor information that I did not give sent to, have frozen and opted out of. 


Summary All 3 credit agencies have violated my federal rights of reporting inaccurate, false and incorrect information on my credit report by accepting data from multiple 3rd party sources. Seeing that the credit agencies can not go directly to the data furnisher which would be the federal court house which is not enrolled to report with the credit agencies. The credit agencies has illegally reported inaccurate information and can not properly investigate with the direct data furnisher ( federal court house ) due to the fact that the direct data furnisher of the information ( federal court house ) is not enrolled or subscribed to report to to the credit agencies let alone able to respond and handle consumer disputes. 

Result wanted : I want the public record of the bankruptcy that is showing on my credit report to be removed off my credit report immediately.