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

i have contacted the credit bureau companies and trhey are simply ignoring my letters and calls from wrong addresses, jobs, names and i alos sent in these accounts and nothing.- XXXX XXXX XXXX XXXX XXXX5/3 bank XXXX XXXX  XXXX child support XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX credit card
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is : XXXX XXXX XXXX I reside at XXXX XXXX XXXX XXXX XXXX  XXXX XXXX FL XXXX. Please remove all other name variations IMMEDIATELY. They are inaccurate. MY CURRENT EMPLOYMER is XXXX All other addresses are not accurate. I was a victim of fraud and I need my correct information updated. Please REMOVE/DELETE these addresses XXXX XXXX XXXX XXXX , XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX, TN XXXX
Product: Credit reporting or other personal consumer reports

The items listed on my credit I don't know I was XXXX from XXXX XXXX XXXX and never used credit they need to remove them XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

When you submit a complaint through the CFPB, you can choose to publish your description of what happened in the Consumer Complaint Database on our website, consumerfinance.gov. Reading your first-hand account will help researchers, consumers, and others better understand the financial marketplace. 

Before publishing your description we will conduct a series of automated and manual reviews to remove personal information. The following example highlights the kind of information that we plan to remove : We took out a private education loan for our daughter XXXX while she was attending the XXXX University in XXXX, MA. This loan went into default after she transferred to a community college in XXXX, MA. Our lender received notice that she was no longer a full-time student in XX / XX XXXX. Then our younger son XXXX became very sick and we could no longer make the monthly payments on our daughters loan. We tried to set up a new payment plan to get us back on track, but the servicer wont negotiate. We've been paying what we can but we still haven't reduced any of the principal on the loan. 

We will monitor this scrubbing process so that all personal information is removed in accordance with our Scrubbing Standards, but a risk remains that something will be missed and publicly released. Despite the scrubbing process, someone may be able to identify you. The scrubbing process takes some time and your description won't appear on the website right away. 

The Consumer Complaint Database includes information about the date, product, issue, company, and geographic information for complaints that are submitted through the CFPB, but you are not required to publish your description of what happened. Whether you choose to publish your description will not affect how we handle your complaint. 

If you change your mind, you can withdraw your authorization at any time by calling the CFPB at ( XXXX ) XXXX. If your description is already in the database, it will be removed the next time the database is updated. However, we will not be able to remove it from any copies of the database that have been downloaded in the interim.
Product: Debt collection

While gainfully employed by " XXXX, i was assigned to pick up scrap metal battery racks from " XXXX '', in XXXX XXXX. On XX/XX/XXXX, while i was loading said battery racks, XXXX racks that were stacked on a pallet fell upon my XXXX. I was taken to " XXXX XXXX XXXX '', were i received medical treatment for my XXXX, for which defined said XXXX as a XXXX issue. On or about XX/XX/XXXX i officially provided XXXX XXXX of " XXXX of XXXX of who i received medical treatment from in writing, for which was " XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, phone # XXXX totally {$6700.00} and XXXX XXXX XXXX, XXXX Physician, XXXX XXXX XXXX, XXXX, XXXX XXXX, Phone XXXX totaling {$2200.00}. Pursuant to the XXXX self insured contract and settlement agreement and release, " XXXX XXXX XXXX of XXXX '', was responsible for paying the medical bills. The XXXX contract nor was the settlement agreement and release was honored, for which defines a " Breach of Contract '', and a violation of Federal Law. The aforementioned has caused me significant hardship due to my not being able to obtain a loan to purchase a house and vehicle to start my own business. 
Consent to publish the description of what happened?
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$930.00} XX/XX/XXXXXXXX XXXX XXXX  {$1000.00} XX/XX/XXXX XXXX XXXX {$1800.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$4500.00} XX/XX/XXXX 15 U.S.C, 1681section 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 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

THE DISPUTED ACCOUNTS HAS CAUSED TREMENDOUS DAMAGE TO MY CREDIT, THOSE NEGATIVE INACCURACIES NEED TO BE REMOVED OFF MY CREDIT FILE FOR I HAD NO KNOWLEDGE OF THESE ACCOUNTS UNTIL I STARTED CHECKING MY CREDIT FOR ACCURACIES. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient however it is hard to be patient when you feel that you are continually being overlooked by somebody. I think you fail to remember that I am the purchaser concurring! " XXXX XXXX XXXX XXXX - Congressional discoveries and mission statement ( a ) Accuracy and reasonableness of credit announcing ( XXXX ) The XXXX XXXX XXXX reliant upon reasonable and exact credit revealing. Wrong credit reports straightforwardly impede the effectiveness of the XXXX XXXX, and unjustifiable credit announcing strategies sabotage the public certainty which is crucial for the kept working of the banking system. ( XXXX ) Consumer detailing organizations have expected an essential part in amassing and assessing customer credit and other data on shoppers. The XXXX XXXX is reliant on the reasonable and precision detailing of customer organizations. At XXXX XXXX when you neglect to manage your work in addition to the fact that it hurts me it influences the XXXX XXXXk. The XXXX XXXX XXXXrings in cash by loaning to customers like me. I have connected a few times griping about the off base things on my customer report. Well I am complete the process of grumbling. I request you eliminate these incorrect things or I will look for case for the entirety of the infringement and for the torment you folks have caused me by demolishing my standing by announcing off base things. THIS NOTIFICATION IS AN AUTHORIZATION! SO PLEASE DO NOT REPSPOND ASKING FOR AUTHORIZATION!
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit reporting, leaving inaccurate or unverifiable accounts unresolved.The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the dispute accounts as as Experians inaction violates federal law and my rights as a consumer.
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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or 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: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I don't know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is aquatinted or who may have knowledge concerning any such items of information on a consumers credit record obtain directly from a creditor of the consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. I'm requesting the removal of accounts and or monetary compensation due to violations of my rights. I'm currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore I'm requesting removal and this account violates my consumer rights in several ways. Please remove and provide some update within 4 days of receipt, as this has been ongoing for over 4-5 months.
Product: Credit card

I was incorrectly assessed a 30 day late payment to all XXXX of the credit bureaus for a payment I scheduled for a account that had {$30000.00} of liquid assets for a {$360.00} payment schedule to pay account in full on XX/XX/XXXX. I called to reconcile the issue when I only received one email alert and no calls to inform me the payment did not go through. I called and explained to Target over the phone the issue in which they agreed with me that I entered the account numbers correctly but Target 's system had a glitch since I checked " Checkings '' instead of " Savings '' and removed the late pay and any applicable fees as I made the payment over the phone immediately after explaining and paying on time has never been a issue. I figured this was the end of it until my credit monitoring programs alerted me that Target issued a 30 late pay to the credit bureaus. I tried disputing the case to Target directly with no results therefore I am creating this complaint hoping to have Target remove this erroneous 30 day report on all 3 credit bureaus. I have a 6 figure career and over {$100000.00} in liquid assets and all of my credit cards are paid in full each month. I've been a loyal customer with the Target card since XXXX. My family and I are about to purchase a house so this error from Target could not have come at a worse time. I want this issue to be corrected as soon as possible.
Product: Debt collection

Hello, i lived at XXXX XXXX XXXX apartment XXXX. 
XXXX XXXX XXXX, XXXX, TX XXXX XXXX the accounting for them said my final bill was paid on XX/XX/19 she gave me a paid in full ledger and letter. 
the following week im sent to a collection agency iq data. XXXX XXXX XXXX, XXXX, WA XXXX. 
they tried to collect the debt that the apartment said i paid in full. last week i fax them the ledger and the letters of paid in full. to this day they are still trying to collect from me and telling me i am wrong. i ask for a manager and manager sent me to voicemail.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX {$12000.00} deposited, then same day XXXX unauthorized payment extracted from my XXXX XXXX XXXX bank account.
Product: Credit reporting or other personal consumer reports

The information on my credit report is inaccurate with my personal name and address on experian, XXXX, & XXXX
Product: Debt collection

They tried too collect and defame my private consumer report not for public inspection WHERE IS THEIR BOND TO COLLECT IN MY STATE PURSUANT TO 392.101 along with the contract with my blue in signature and or electronic signature, I am in honor and if the can provide a contract and a bond we can do business they have the account revolving and closed account a clear illegal violation of the law
Product: Credit reporting or other personal consumer reports

On XXXX I asked amcol systems. To send me the XXXX XXXXXXXX agreement chain of custody as they are trying to collect on a alleged debt thats not mine they are buying and selling and reporting medical information on credit reports its illegal to sell medical information without my consent they are harassing me and did not cease and desist. Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that my consumer report is reporting inaccurate spellings of my name, address and employment information. I have attached a copy of my current driver 's license with the correct spelling of my name and address. I do not have a current employer at this time.
Product: Credit card or prepaid card

My credit limit went from XXXX to XXXX no missed or late payments.
Product: Debt collection

I got a collection bill? That I dont owed? The agent from national credit systems , inc, give a wrong address at 1st told me XXXX XXXX XXXX  XXXX and is coming from a XXXX XXXX XXXX XXXX I never rented from them. Then I was force to give my email address so I can get a dispute on a XXXX  that came encrypted in my phone, and my computer came as damaged XXXX I send XXXX XXXX XXXX a response back to his email address? That I could not open either way and requested paperwork mail to me to dispute this issue? I was told by him that is not there procedure! And they wont send that way! I was told by him this collection was already in my credit report of {$540.00} so the bill I got from this company tells a different story name of the company they are trying to collect plus XXXX so this worst now I am more confused and concerned. I had ask for the address of this company claiming I owe something? 1st time I went there I was only given and email address of a manager. Then 2nd time the person who is the manager mentioned in address I use to leave for XXXX years and told me I owe damages and can talk to me about it. That address was XXXX XXXX XXXX XXXX Colorado XXXX. Well rented that place from a different management company, so I was ask to vacate that property XXXX months at the end of my lease and I left with everything pay off XX/XX/2020 and left that home XX/XX/2020 and had someone a female come in inspected by a company that they were taking over name of that company XXXX and told me they would keep my deposit of {$500.00} and wave the {$40.00} for ware in tear of the place. So o have XXXX  XXXX and they paid a portion of my rent and I always pay my portion. So I was given a letter separately staying I dont owe anything, that they got their deposit from my previous management company! So now XXXX the company that took over is XXXX XXXXXXXX XXXX XXXX So they want to get paid twice. So I havent been able to get paperwork to dispute this issue? I am giving wrong address! I have been forced to give my email address, and I have been block to have any further contact with XXXX XXXX the agent of this collection agency
Product: Debt collection

This company has been calling me multiple times daily and I have no outstanding debts in collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has refused to provide a copy of my free annual credit report to me, despite the fact that I requested it once or more since the beginning of this year. Recently, on XXXX XXXX XXXX, Experian provided a credit score ( of XXXX ) for me to a potential lender for a mortgage loan, XXXX XXXX XXXX XXXX. Experians credit score was  significantly lower than that provided by another credit bureau to the same lender with a better reputation than Experian has. Given Experians refusal to provide me with my free annual copy of its credit report, and its multi-year, known record of carrying false information in my credit file for over a decade, I ask the CFPB to force Experian to provide me with a copy of my credit report immediately. Furthermore, on XXXX XXXX XXXX, Experian provided a FICO score for me of XXXX to XXXX XXXX, one of my credit cards. Why is Experian allowed to engage in such unfair, deceptive, misleading and abusive practices? Why is it allowed to divulge to my credit card company one score while providing a secretive, significantly deflated score to a potential mortgage lender? I can not protect myself against such gross abuse. I froze my credit report at another credit reporting company years ago. It is the same agency that provided the best credit score to XXXX XXXX recently. Although I repeatedly asked Experian in writing to freeze my report, it refused to do that as well. Its failure to freeze my report upon request violates my rights under fair credit reporting laws. It makes it easier for Experian to traffick in my personal information for profit and allows inaccurate information to get into my Experin credit report more easily than if my report were frozen. I fully expect that inaccurate information in my Experian credit report is suppressing my credit score with it, but have been denied the right to review Experians credit report on me. Since I am seeking a mortgage loan, I need to get a copy of my Experian report immediately, without Experians usual delays and evasions in providing it. Please force Experian to release its report on me to me immediately so that I can correct the false information it probably has in my file. Please also force it to freeze my credit report, since this is the best protection I have against its unjustified, habitual injuries, and additional expenses and work it causes me. I am disadvantaged greatly by the secretive and illegal actions of Experian. I may face less favorable terms on a loan as a result of Experians violations of my rights under fair credit reporting laws, including my right to be able to see and correct false information it probably has, and repeatedly has had, in my credit report. Finally, please do not allow Experian to provide one score to a mortgage lender that is significantly less than what it provides to my credit card company.
Product: Credit reporting or other personal consumer reports

Upon reviewing my recent credit report, I have identified discrepancies that require immediate attention. Specifically, regarding the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

The company has acknowledged this error and has committed to remove the accounts. Other credit bureaus have already removed the accounts after the company recognized the inaccuracy of the accounts. 

I kindly request a thorough investigation into these accounts and prompt communication of the findings via mail. According to information available online, such disputes should be resolved within XXXX days. Therefore, I expect to receive your response within this time-frame.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contact the 3 credit Bureau in regards to reporting inaccurate information on my credit report regarding inaccuracy about the dates of delinquency regarding my student loans. I asked repeatedly for them ti report the correct information or remove it from my credit report. Who hold my account to validate and provide me a copy of the investigation of my disputes in which they all refused to do so
Product: Credit reporting, credit repair services, or other personal consumer reports

TARGET/TB BANK REFUSES TO REAGED MY ACCOUNT AFTER ACCEPTING A PROPSAL ON XXXX XXXX, XXXX FROM MY DEBT MANAGEMENT PROGRAM XXXX XXXX XXXX XXXX. THEY CONTINUE TO REPORT LATE PAMENTS 30 DAYS FOR XXXX XXXX AND XXXX XXXX TO ALL THREE CREDIT REPORTING BUEARUS. I HAVE DISPUTED THIS WITH THE CREDIT REPORTING BUREAUS AND TARGET/TD BANK. WITH NO POSITIVE RESULTS. 
IN ADDITION, TARGET/TD BANK RECEIVED PAYMENTS ON XXXX XXXX, XXXX XXXX XXXX, XXXX AND XXXX XXXX, XXXX AND STILL CONTINUES TO REPORT 30 DAYS LATE PAYMENTS FOR XXXX XXXX AND XXXX XXXX. I HAVE PROVIDED DOCMENTED PROOF OF PAYMENTS MADE FOR THOSE MONTH BY XXXX XXXX XXXX XXXX AND RECENT LETTERS FROM TARGET STATING THAT THE INFORMATION REPORTED TO THE CREDIT REPORTING AGNECIES IS CORRECT. I CAN UNDERSTAND IF NO PAYMENTS WERE MADE, THEN I WOULD ACCEPT BEING REPORTED 30 DAYS LATE FOR THOSE MONTHS REPORTED, BUT PAYMENTS WERE RECEIVED BY TARGET, AND TARGET STILL REPORTED 30 DAYS LATE FOR XXXX XXXX AND XXXX XXXX, THIS IS UNFAIR. I HAVE ALSO ATTACHED A COPY OF THE AGREEMENXXXX XXXX XXXX XXXX XXXX MADE WITH TARGET/TD BANK WHEN THEY ACCEPTED THE PROPSAL ON XXXX XXXX, XXXX THAT STATES AT THE BOTTOM THAT THE ACCOUNT WOULD BE REAGED AFTEER THREE ( 3 ) CONSECUTIVE PAYMENTS. I HAVE ATTACHED 9 PAGES OF DOCUMENTATION TO SUPPORT MY CLAIM.