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

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$23000.00} - Late/Open
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent several dispute letters to the credit bureau for the following account but still have not received any response from them. It is more than 45 days since I sent my last dispute letter. 
XXXX XXXX  Account # : XXXX ( EQ , XXXX, XXXX ) XXXX  XXXX Account # : XXXX ( EQ, XXXX, XXXX ) XXXX Account # : XXXX ( EQ, XXXX  , XXXX  ) XXXX Account # : XXXX ( XXXX  only ) XXXX Account # : XXXX ( EQ, XXXX, XXXX  )
Product: Money transfer, virtual currency, or money service

Chime bank aka XXXX transferred XXXX of my money into the wrong account. Somehow my XXXX account number was changed in their system without my permission or knowledge. I desperately need help they have stolen XXXX of my hard earned money and Im a single mom!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a ( 3 ). They assumed this role without permission not only that they did not have my consent. They did not respect my rights to privacy which is under 15 USC 1681 a ( 4 ). They did not exercise there grave responsibility, they were unfair, they were partial. They never had permissible purpose Under 1681 b ( 2 ). I never consented to this report in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX HELOC - I began refinance of my Home on XX/XX/XXXX. Credit report showed paid as agreed for XXXX XXXX HELOC. This account was also verified with XXXX XXXX XXXX and me on the phone and XXXX XXXX stated that there were no late payments The mortgage company ran our credit a few more times and surprisingly on XX/XX/XXXX XXXX XXXX added a late payment for XXXX which is not correct. I have made all my payments on time and in 14 months have not received one late payment fee. I have been working with XXXX XXXX HELOC department to rectify this since XX/XX/XXXX and the late payment is still on the credit report. This is incorrect and XXXX XXXX is not returning messages although I have a dedicated individual that is supposed to be clearing this up. After speaking to a representative today they can't seem to explain but told me I was late in XXXX. I have a copy of all payments for the last year and I was not late once. Now our FHA refinance is in jeopardy. XXXX XXXX is one on the worst organizations I have dealt with.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted XXXX XXXX XXXX XXXX and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Product: Credit card or prepaid card

I had a Citibank credit card canceled for no reason I have lost all my sky miles I had with Citibank it was over XXXX sky miles I had a accumulated made while with Citibank I was Chargeed a Macys credit card bill. XX/XX/2017. I have never received a Macys bill DSNB/MACYS this is incorrect in my credit was hurt Because of Macys credit card Citibank close my account for no reason XXXX  make all my bills have been paid All my mortgages and other credit cards I own are all paid I also have collection agency XXXX XXXX and XXXX XXXX MA XXXX This is a hospital bills from XXXX XXXX my insurance is paying this and when you call XXXX XXXX for billing nobody answers the phone and you can not do any business For doing Billing
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts have 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC Section 602 states I have the right to privacy and these accounts violate my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act convergent ( account number 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 written instructions.
Product: Credit reporting, credit repair services, 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 confidentially under 15 USC 1681. Act Name : XXXX, XXXX Act Name : XXXX XXXX XXXX, XXXX Act Name : XXXX XXXX 15 USC 1681 section 602 A, States I have the right to privacy. 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 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.
Product: Consumer Loan

There is a discrepancy between payments and what is owed. The auto dealership contract does not comply with Lender. 

Payment started at {$13000.00} and it has been a year that I have been paying of XXXX/month. I checked my payoff quote and I received {$13000.00}. 
I am paying off another vehicle which i receive da month before purchasing with santander. The payment started at {$30000.00} and our pay off is XXXX. Our payment is XXXX/month. If I am paying half from the other vehicle, My pay off quote should have been reduced to $ XXXX ; not {$13000.00}.
Product: Debt collection

I received a notification that Midland Credit Management placed a collection on my credit report. I have had a payment arrangement in place since XX/XX/XXXX and six months later Midland Credit Management decides to place a collection on my credit report. Midland website even says, and I quote : " MCM believes in fairness and transparency around credit reporting. We do not report to credit reporting agencies for accounts that are more than two years old ( based on the date of delinquency ) and paid in full ( including accounts paid in full for less than the full balance ). 

We also dont start reporting on new accounts if your payments begin within three months after we send our initial letter and you continue making payments every month until the account is paid in full ( or paid in full for less than the full balance ). '' This account is over two years old and I have been paying the agreed upon amount every month for the last six months. Midland Credit should not be reporting a collection to my credit report for an account that I have been paying on faithfully. I have not received any notices or communication recently about this debt before being placed on my credit report. 

We are in a pandemic and I am barely making it financially yet I still make sure the payment is received every month. 

It does not make sense to add a collection to my credit report after payments have been made already to resolve this debt. Especially 6 months later. 
I want this collection from Midland Credit Management deleted from my credit reports immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX {$7300.00} XXXX {$0.00} XXXX XXXX {$3300.00} XXXX {$37.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting a account name XXXX XXXX that I never opened, i have already mailed in the police report and have not heard anything back its been over 30 days. Transunion is also reporting a account name XXXX  XXXX with a balance of {$460.00} that was not authorized by me and I have also mailed the police report in to them 30 days ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX : # XXXX, DEPT OF EDUCATION / XXXX  : # XXXX, DEPT OF EDUCATION / XXXX  : # XXXX, DEPT OF EDUCATION / XXXX  : # XXXX, XXXX XXXX : # XXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER REVIEWING MY CREDIT REPORT I FOUND ACCOUNTS THAT DOES NOT BELONG. THIS IS MY 3RD TIME WRITING AND DISPUTING THESE INACCURATE ACCOUNTS THAT IS HINDERING ME FROM DOING BETTER IN LIFE ... DATES ARE XX/XX/20, XX/XX/20 AND XX/XX/20
Product: Debt collection

I have a bill from Credit Systems Inc that should not be owed and the collection agency will not cancel it and is threatening to put it on my credit if I dont pay it. 
I had XXXX with an in network doctor in XXXX. I got a bill from some out of network provider that the surgeon called in to assist. The claim was originally processed as out of network and applied to my out of network deductible. The provider told me to appeal so I did. The claim was reprocessed to pay an in network rate of {$160.00}. The provider will not write the balance off and has sent me to collections, and the collection agency is threatening to put it on my credit if I dont pay it. 
# 1 : I did not sign anything agreeing to receive these services and there is no agreement between me and this medical provider. I have requested a signed consent to treat form agreeing to these services. XXXX  XXXX XXXX XXXX XXXX says I did not sign a specific form with XXXX  XXXX XXXX  XXXX XXXX, they said its just a general informational form that the hospital gives you and does not have a signature on it. I did not agree to these services. 

# 2 : I live in Colorado but my Insurance homeplan is a TN plan ( Human resources is based out of Tennessee ). There is a law in Colorado prohibiting balance billing when an in network doctor requests out of network services. I sent in my written dispute along with the Colorado statute. The provider/collections wont honor it because my plan is a Tennessee plan and they say it only applies to Colorado plans XXXX I then researched and found that Tennessee has a similar act prohibiting balance billing and sent that info in along with another written dispute, but the provider/collection agency says because services were rendered in Colorado, the Tennessee law doesnt apply to me either. I am exasperated and beside myself here. I dont know what to do. This is not fair and I should not be held responsible for this balance but no one will help me. The collection agency wont budge and says they will put this on my credit if I dont pay it. I have submitted another appeal today with my insurance but dont think its fair for collections to ruin my credit when there are laws protecting consumers from this exact thing! How do none of the laws apply to me?
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It XXXX Concern : This letter is a follow-up to my original letter dated date regarding an inaccuracies on my credit reports, regarding National Credit Adjustment {$420.00} Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on the signature date. I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, XXXX XXXX XXXX a ) ( XXXX ) by not placing the disclosure within the required XXXX period. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. I further remind you that you XXXX be liable for your willful non-compliance, as per FCRA XXXX ( a ) ( XXXX ) - Responsibilities of furnishers of information to consumer reporting agencies [ XXXX XXXX. XXXX ] ( XXXX ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person XXXX not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. ( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section XXXX ( p ). As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or inaction XXXX on your behalf will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : XXXX. Defamation XXXX. XXXX XXXX of XXXX XXXX XXXX. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act
Product: Credit reporting, credit repair services, or other personal consumer reports

i have never been late to this account. i have records of all my payments sent to JP Morgan and Chase for this vehicle.

on the month of XX/XX/XXXX Chase apparently misplaced my check and payment.

i paid my XX/XX/XXXX payment on XX/XX/XXXX Check # XXXX  i paid my XX/XX/XXXX payment on XX/XX/XXXX check # XXXX i paid my XX/XX/XXXX payment on XX/XX/XXXX check # XXXX i paid an additional payment on XX/XX/XXXX via phone. later on i spoke to Chase and they apologized ad cleared the late payment fees and asked me to dispute the information with the credit agencies.
Product: Debt collection

XXXX XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures.

Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ).

( b ) Opt out ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Your Claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for Validation made pursuant to the Fair Debt Collection Practices Act.

Collection agency has not provided validation information under 12CFR 1006.34 ( b ) ( 5 ) but yet they placed a collections on my credit report.

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX XXXX XXXX XXXX Experian Information Solutions Inc . 
XXXX XXXX  i opened dispute on XX/XX/XXXX. The disputes are as follow as i put them above. The reason for it is because he already open up a dispute prior to the complaint : XXXX XXXX  XXXX XXXX XXXX XXXX Experian Information Solutions Inc . 
XXXX XXXX  Today is XX/XX/XXXX and we have proofs that the bureaus have violated the same FCRA rules again. i have included inmage that the creditors involve in the complaint have violated Metro 2 Compliance Violation ( Not updating dispute status ) This account is currently in dispute but the data furnisher has not updated the remarks on the account which is a violation of the F.C.R.A Metro 2 Compliance Violation ( Not Including Creditor Contact Information ) This account is currently in dispute but the data furnisher has not updated the remarks on the account which is a violation of the F.C.R.A Metro 2 Compliance Violation ( Incorrect or inconsistent Account Number ) This account is currently in dispute but the data furnisher has not updated the remarks on the account which is a violation of the F.C.R.A
Product: Credit reporting, credit repair services, 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, XXXXXXXX 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 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 an 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 card or prepaid card

My complaint is addressed to the CFO, CEO, Registered Agent and/or their direct agents of Citi Bank . I have become aware of certain violations and would like them addressed and rectified. The application states that you are loaning me credit. This does not appear to be within your scope of practice. Where is the credit coming from? 
I am studying my rights and consumer laws and upon reading Regulation Z. Title 12 US code 24 paragraph 7 states ; " Seventh. To exercise by its board of directors or duly authorized officers or agents, subject to law, all such incidental powers as shall be necessary to carry on the business of banking ; by discounting and negotiating promissory notes, drafts, bills of exchange, and other evidences of debt ; by receiving deposits ; by buying and selling exchange, coin, and bullion ; by loaning money on personal security ; and by obtaining, issuing, and circulating notes according to the provisions of title 62 of the Revised Statutes. '' I then came across the Case Laws listed below ; In the federal courts, it is well established that a national bank has not power to lend its credit to another by becoming surety, endorser, or guarantor for him. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 11 F 2d 83, 271 U.S. 669. 

A national bank has no power to lend its credit to any person or corporation. Bowen v. Needles Nat. Bank, 94 F 925, 36 CCA 553, certiorari denied in 20 S.Ct 1024, 176 US 682, 44 LED 637. 

Mr. XXXX XXXX said : The doctrine of XXXX XXXX  is a most powerful weapon to keep private corporations within their legitimate spheres and to punish them for violations of their corporate charters, and it probably is not invoked too often. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 103 Wis 125, 79 NW 229. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 194 NW 430.

It has been settled beyond controversy that a national bank, under federal law being limited in its powers and capacity, can not lend its credit by guaranteeing the debts of another. All such contracts entered into by its officers are ultra vires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 133 SC 202, 130 SE 759 ( 1926 ).
It is not within those statutory powers for a national bank, even though solvent, to lend its credit to another in any of the various ways in which that might be done. Federal Intermediate XXXX XXXX XXXX XXXX XXXX, 33 F 2d 841, 842 ( 1929 ).