23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is an immediate request to investigate the updated data that is inaccurate, incorrect, and false information being reported on my credit report. I am presenting new evidence and statutes of violations to please investigate my concerns. There is a misrepresentation of updated information being reported on my credit report that I owe a debt for collections of {$1800.00} to XXXX XXXX  as my Creditor for a debt owed to XXXX XXXX XXXX  and sometimes identified by XXXX XXXX  as XXXX XXXX XXXX XXXX XXXX XXXX that is inaccurate, incorrect, and false that must be removed. There are strict violations of 15 U.S.C. 1681g in the updated information on my credit report. XXXX, I fully dispute the Collections account with XXXX XXXX as the creditor that appears on my credit report, in the amount of {$1800.00} witXXXX XXXX XXXX XXXX XXXX XXXX XXXX as the original creditor and or also identifying XXXX XXXX XXXX XXXX as the original creditor. XXXX ) Statute violation : FCRA Section 623 ( a ) ( 1 ) ( A ). I am contesting the accuracy of all data being reported by XXXX XXXX on my consumer credit report and requesting that you immediately delete this Collections account from my credit report immediately. XXXX ) Statute violation : FDCPA Section 809 ( a ). Verification of the late payments for Collections can't be provided when my consumer credit report doesn't reflect the accurate history and payment history. I request these late payments for Collections be deleted from my credit report as they are incorrect and unjustly damaging my credit score. XXXX ) I never had any creditor relationship with XXXX XXXX XXXX  XXXX and this information being reported is incorrect, false, and inaccurate that must be removed. This is an immediate demand that all inaccuracies being reported by XXXX XXXX as a Collections account on my consumer credit report must be deleted. 

XXXX deleted this XXXX XXXX incorrect, inaccurate, and false information from my credit report. XXXX please respond why this XXXX XXXX collection account in the amount of {$1800.00} was deleted from my credit report after the information was disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I know my updated credit score and have validated this with my bank and several other banks. These reports state that my updated credit score is XXXX. I have applied for two loans. They based their determination on an extremely outdated credit score, XXXX, a credit score I had well over a year ago. I know that Transunion does indeed report to the banks and they report it as XXXX currently, at this time. However, when I applied for loans, three loan companies stated that TransUnion provided a score of XXXX. I wrote to TransUnion, via the XXXX, telling them to please update my credit score so I can apply for a loan and get a better rate. Sadly, my written inquiry must have been picked up by a robot, not a human who actually read my letter. What I got back was a credit report only. No score, no response to my inquiry whatsoever. You can't actually call Transunion. You get a recording. I'm stuck now with this. It's like a curse because I have worked extremely hard to improve my credit, all for naught.
Product: Mortgage

I have had autopay on my mortgage for nearly 6 years starting in XXXX. Bank of America hold my mortgage and they apparently sent notice that they would be cancelling my autopay at the end of XX/XX/XXXX. I never received this message and later confirmed with them that they sent it to the incorrect address, so I was never notified that they intended to cancel my autopay. As a result, the autopay was cancelled and my payments stopped going through. I only realized this months later when I was notified that my credit score had dropped significantly by over XXXX points. I then looked into what might have caused it and discovered the missing mortgage payments ( XXXX, XXXX, XXXX, XXXX {$1000.00} each month ). I immediately paid off all the missing payments but my XXXX and XXXX payments were reported to the Credit Bureaus and caused the problem. After confirming with Bank of America that it was their fault, they have repeatedly told me they will research the issue and try to resolve it. The first time, they said they would resolve it with the credit bureaus in XXXX. In XXXX they said that it was accurately reported but failed to reference the context of their failure to inform me, making me believe that it wasn't communicated to whoever was researching the problem. Then in late XXXX I reached out for a third time and they once again said they would research the problem. This has hindered my credit score significantly and is expected to do so for another 7 years until it drops off. I never missed any payments for the 6 years before this incidedent and they can clearly see I had enough money to make the payments in the bank and thus the only reason for the missed payments is their unilateral cancellation of my autopay.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts below have violated my Federally Protected Consumer Rights to Privacy and confidently, pursuant to 15USC 1681 section 602a which states that I have a right to privacy. They have violated my rights under The Financial Privacy Act of 1978 and credit denial in violation of 15USC 1681a ( k ). This entity also violated 15USC 1602 ( p ), violates 18USC894. Using my TRADENAME without express written consent in violation of O.C.G.A. 16-9-93.1 Names Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX They have violated my rights and restraint of trade in violation of 15 USC 1 and 15 USC 2. Additionally it clearly states under 15 USC 1681 section 604a section2 that a consumer reporting agency can not furnish an account without my written consent. 15 USC 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report contain any of the following items of information. Any other adverse item of information other than records convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( a ) Duty of furnishers on information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and have found several inquires that I did not authorize. i understand that anything on my report needs to be authorized by me to report otherwise it is identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last year or so i have been disputing Lexis Nexis on the claim that on my public record on my credit report. They have  reported my bankruptcy on my XXXX and my XXXX credit report since XX/XX/2016 and through when i got discharge in XX/XX/2016. On my credit report listed under the public record part and it shows on my credit report that they were the source that the credit bureau receive my bankruptcy information. Recently i have disputed this with Lexis Nexis to disputed the bankruptcy and it comes back with no change at all. i disputed my public record with the credit reporting agency XXXX and XXXX XXXX stating that there  were in accuracy on the bankruptcy on my credit report and also why would a bankruptcy appear on ones credit report i thought if there were any issue on how it was put on how do we dispute this and get it remove. i reach out to the court house where my bankruptcy was done and i was told in person and they mail me a letter out that state that the bankruptcy court does not verify bankruptcy to anyone. They dont dispute bankruptcy through third party agency or through the credit bureau. Each ones bankruptcy is mask and it only shows the last 4 digit number of ones social security number. So i send off a email to pacer and they sent me email back that state pacer does not directly verify federal case information to third parties by phone fax or email. it also states this information does not included ones full social security number .All that may be accessed through pacer are the last 4 digits of ones social security number which pacer phone number is XXXX. ON my XXXX credit report it shows under public record as the court house usbkpt ct va XXXX  On my XXXX XXXX   credit report under the public record usbk court XXXX virginia. There are some issue on how this was put on my credit report and there are some other issues ON MY XXXX XXXX CREDIT REPORT IT SHOWING THE WRONG DATE FILED AND WRONF DATE PAID AND UPDATED. .ON XXXX  IT SHOWING ADDRESS ID UNDER THIS AS XXXX. THE ADDRESS ID IS NOT RIGHT.. UNDER PURSUANT TO 15 USC 1681 LEXIS NEXIS MUST IDENTIFY THE IMMEDIATE SUPPLIER OF THE INFORMATION REPORTED IN ORDER TO ACCURATE IDENTIFY THE SOURCE OF THE INFORMATION ON A CREDIT REPORT.. THE INFORMATION WAS NOT SUPPLY BY THE COURTHOUSE. AS A CONSUMER I MUST BE ABLE TO DIRECTLY DISPUTE INACCURATE INFORMATION. THIS BANKRUPTCY SHOULD BE REMOVE OFF OF MY CREDIT REPORT WITH MANY INACCURATE INFORMATION.
Product: Debt collection

I took out a Title loan through Springleaf Financial. Springleaf merged or sold their company to One Main. The loans was paid and my titles were released back to me. I sold the vehicle. I later received a wage garnishment to have my wages garnished. I have receipts showing payments were made. On my credit report it says my original loan amount was XXXX. My loan was only XXXX so I am assuming the remaining was the finance charge. Now I have been served another wage garnishment from an attorney in the amount of XXXX. When I pull my credit report it says the loan was charged off as bad debt. Profit and loss write off when I don't owe them. I'm a single parent with only one source of income and they are attempting to garnish my wages when I don't owe them.
Product: Debt collection

The end of XXXX start XX/XX/XXXX I called CONNS to get the number to settle, so I can pay off my account. They told me they no longer had the account and XXXX XXXX had my account. I contacted XXXX XXXX and they gave me detailed information about my account but said they no longer had my account but they will sent it to a supervisor see if they can take the payment. No one called me back, so I called again and they gave me the same information and told me someone will call me back and again no one followed up with me. I called once again and they told me conns has it. So, I contacted conns ans conns put in a ticket and said someone will call me. They called me and said they can not help me and XXXX XXXX has my account I would need to talk to them. I explained the situation that XXXX XXXX told me and they said they couldnt do anything even though they are the original creditor. On my credit report it shows CONNS reporting as the collection agency and the number on my credit report is no longer in service. Just trying to pay off my debt so I can build my credit and buy a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Never lived there Use this reason if you have never lived at this address or received mail there. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX  XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Never lived there Use this reason if you have never lived at this address or received mail there. 
XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Never lived there Use this reason if you have never lived at this address or received mail there. 


XXXX XXXX XXXX  XXXX Potentially Negative Status Collection account. {$230.00} past due as of XX/XX/XXXX. 
Account Type Collection Balance {$230.00} Date Opened XX/XX/XXXX Dispute XXXX  XXXX XXXX XXXX Potentially Negative Status Collection account. {$240.00} past due as of XX/XX/XXXX. 
Account Type Collection Balance {$240.00} Date Opened XX/XX/XXXX Dispute
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Transunion for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Transunion for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXXXXXX XXXX Account Number : Date of Charge Off : XX/XX/year> Amount : {$3400.00} I have previously disputed the accuracy of this charge off account with Transunion and provided evidence that the information is inaccurate. However, Transunion has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Transunion refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Transunion for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Transunion upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

repeated calls daily and constant i am suffering from a XXXX XXXX and i was recently in the hospital thus i do not need the stress
Product: Credit reporting or other personal consumer reports

I have inaccurate reporting all throughout my credit report, I have attached credit report with side by side comparison. 

According to the Privacy Act of XXXX  ( b ) CONDITIONS OF DISCLOSURE No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains unless disclosure of the record would be -- I have several charge offs listed on my report, I now know a charge-off is considered a certificate of indebtedness, which means it is income and income can not be reported on my credit report. 

I am also aware that transaction history can not be reported on my credit. 

I also want all unauthorized inquiries removed. 
15 USC 1681 states 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Product: Checking or savings account

Since the initial claims were submitted, I have not been given XXXX solid reason as to why the claims were denied. The agents on the phone do not know anything and can not explain anything or guide along the process. I have also tried to send multiple rebuttals for each claim and they still have not been able to refund the fraudulent transactions on my account. It has been several months now and every time I speak with them over the phone, they have no idea what is going on. I have given sufficient evidence and explanation to support my claims and they have not requested any further documentation from me to support my claims. I have provided multiple documents including police reports, letter to FTC, documents showing proof of fraudulent bitcoin transactions, proof of identity, and many more.
Product: Debt collection

I called into the company and told them I had no knowledge of the name of their company. I then asked for a copy of what I owed and the contract. I was told that they couldnt work with me and my credit would just suffer unless I paid the debt to them. I even tried to settle and the guy told me yeah he would do that then in the conversation he said no I dont think I want to work with you on the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax has a major issue with there products thart they are selling to the public.i can not get a credit report from them and they also do not respond to credit requests from XXXX XXXX  and my fico.there deffinetly a problem.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Customer ServiceXXXX  XXXX XXXX  XXXX XXXX XXXX, VA XXXX XXXX : Complaint Regarding Noncompliance with Privacy Provisions Account # XXXX Dear XXXX  XXXX Customer Service, I am writing to formally express my concern regarding a potential breach of privacy rights under the provisions of 15 U.S. Code 6802 ( b ) ( 1 ). Specifically, I have reason to believe that my nonpublic personal information was disclosed to a nonaffiliated third party without providing me with the opportunity to opt-out of such disclosures or an explanation of how I could exercise that option.

The statute explicitly mandates that financial institutions must : 1. Clearly and conspicuously disclose to the consumer that such information may be
disclosed to third parties ; 2. Provide the consumer an opportunity, prior to the initial disclosure, to direct that the information not be disclosed ; and 3. Explain to the consumer how to exercise this nondisclosure option.

I do not recall receiving these disclosures or any explanation of my rights to restrict such information sharing, as required by law. This oversight, if accurate, represents a serious violation of my privacy rights and your obligations as a financial institution.

To resolve this matter, I request the following : 1. A detailed explanation of the circumstances under which my personal information was disclosed and to whom it was disclosed ; 2. Documentation or evidence demonstrating that you complied with the statutory requirements to inform me and provide an opt-out option before such disclosures occurred ; 3. Immediate steps to ensure no further disclosures of my personal information are made without my express consent ; and 4. A written response outlining the actions your organization will take to remedy this issue and ensure compliance moving forward.
Product: Money transfer, virtual currency, or money service

My Helbing Law Group complaint XXXX of all, I started the program in hope to consolidate all my debts and those of my wife as well. all my debts were around {$11000.00} and they promised me to consolidate all my creditors debts settlements for {$7700.00}. and that i will have a quick settlement and i was very excited to get rid of my debts. since i started the program last year, i never miss a payment, i was always on time. I'm working hard to take care of my family as a part time worker. XXXX hit all my my incomes and I'm hustling to feed my family and take care of their education and medical bills. i already pay to Helbing law group a total amount of {$4000.00} in order fund my settlement, but i was badly surprised and frustrated when i verify my account and discover that they made only XXXX very small payments to creditors and none of my debt was paid off. they add another year to the program, thing that bring another problem that make make me very stressful and confused. Also when i calculate all the payments scheduled for program, i will end up paying another extra {$3300.00}. Now, i talked to some of my creditors and we agree on a very comprehensive and understandable payments plan which i started already. they said i can cancel at anytime but it seems they want me to continue the program. I'm tired, disappointed, confused and upset. i don't want anything from them now, i request only my money back, since creditors almost calls or emails me every single day. i really need to stop this and move on for helping my family for all their daily needs. i don't want no more being in this program i need an entire refund of what they did not pay to my creditors so i can take care all of my debts of by myself. 
Helbing Law group and equity sales me {$2300.00}. me for further information, just contact me by email or phone call. Thanks.
Product: Credit reporting or other personal consumer reports

I dispute the inaccurate reporting of my XXXX XXXX XXXX account XXXX Inconsistencies : Pays As Agreed yet no indication of purchaser info, incomplete payment history. Account reported past FCRAs 7-year limit. XXXX XXXX XXXX and Equifax are responsible. Per XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ), FCRA, and XXXX XXXX XXXX XXXX XXXX, I request {$7500.00} from each entity for violations.
Product: Credit card or prepaid card

On XX/XX/2020 I received a notification that I had a charge of {$50.00} in the bank statement. When I see what it is about, it says that it is an Annual Charge of {$50.00}, which was strange to me, because I am not subscribed to an annual charge with that card. When I call the Bank they tell me that it is an annual charge for having the Banco Popular of Puerto Rico XXXX XXXX However, that was strange to me, since in 5 years since I had the card, they have never made me that charge and I never accepted to be charged. Bank representatives tell me that it is new policy and that I have to pay for it.
Product: Money transfer, virtual currency, or money service

I put a couch for sale on the app XXXX XXXX and got a response from a XXXX XXXX. I was selling the couch for {$300.00} and he said he was going to donate it to an orphanage. I reduced the price to {$100.00} since I tthought that was a good cause. He sent me a cashiers check in the amount of {$1600.00} which he said would cover the movers fee and the cost of the couch. He told me to transfer money to another person via XXXX by the name of XXXX XXXX for {$1300.00} that was supposed to be for the movers fee.I cashed the check with my bank but then a few days later they took the money out of my account and I called them and they said it was a conterfeit check.I had already transferred the {$1300.00} via XXXX and submitted a claim with Bank of America but they denied it. I just want my {$1300.00} back and for this nightmare to be over with. His bank from the check is XXXX XXXX XXXX  and here is the information I have for them : XXXX XXXX or XXXX XXXX, Phone : XXXX email : XXXX, XXXX XXXX name is XXXX XXXX and email of XXXX, I just want my money back, I have reported to FBI. filed a police report with the city of XXXX, contacted 3 on Your side here in XXXX, filed a report with the FTC also. Here is also the email response I got from them : " Im so sorry about this, I was only asked to pick up the funds and I dont know anything, next time dont send money to anyone '' so they knew it was fraud. I thought my bank would help but they didn't
Product: Prepaid card

I had someone take XXXX $ out of my acct on Friday the XXXX of XXXX I was at home with my card in my possession when I received a text message that there was a withdrawal of XXXX $ I called the bank right away! They denied my claim without even speaking to me or trying to contact me. I have never used my card at that location. I didnt give my card to anyone or share my pin with anyone