23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending multiple dispute letters as well as CFPB complaints against the Credit Reporting Agencies to request the correction of the erroneous accounts and information from my Credit File. Under the FCRA, the Credit Reporting agencies are required to investigate the disputed accounts and correct or fix the information being reported on my Credit File. I am submitting this CFPB complaint once again, to request to the Credit Bureaus to remove the erroneous information being reported on my CrediXXXX XXXX. Please once again, fix, remove, and correct the following accounts from my Credit File : XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$830.00} XXXX XXXX XXXX Balance : {$51000.00}
Product: Credit reporting or other personal consumer reports

DEAR SIR / MADAME TRANSUNION  REFUSED TO UNFREEZE AND UNBLOCK MY ACCOUNT.. NO ACCESS..
              I HAD FREEZE MY ACCOUNT DUE OVERWHELMING
UNKNOWN CREDIT CHECKS ON MY ACCOUNT WITHOUT MY KNOWLEDGE..
BY OTHER COMPANY...
SOO
I REACH OUT TO TRANSUNON TO UNFREEZE MY ACCOUNT FOR PERSONAL REASON/ FAMILY EMERGENCY.
BUT THEY DENIES ME.. THEY BLOCK MY ONLINE ACCESS AND PHONE ACCESS TO UNBLOCK / UNFREEZE MY ACCOUNT. ASAP.
THEY TIES ME UP FOR HOURS OVER THE PHONE.. DEGRADING ME.
CAUSING ME HARDSHIP AND STRESS.
THIS CAUSING PAIN AND HARDSHIP.. 
LONG HOURS ON THE PHONE GOING AROUNG IN CIRCLE .. GET NO WAY..
THEY HAND UPON ME AND KEEP TRANSFERRING TO COLLEAGUES.OVER AND OVER. .. I AM VERY SICK FROM THE EXPERINCES. MY XXXX XXXX XXXX XXXX..
XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with ( XXXX, XXXX, XXXX XXXX, ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

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


( XXXX, XXXX, XXXXXXXX XXXX, Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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

Im submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
The following items listed below are unknown to me. 
XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX , FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXXXXXX Date XXXX XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Date opened XX/XX/XXXX Balance {$1700.00} XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX  XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$34000.00} ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1800.00} ; XXXX XXXX XXXX Date XXXX XX/XX/XXXX Balance {$0.00} ; XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00}
Product: Credit reporting or other personal consumer reports

Lies lies lies lies lies lies lies lies lies lies lies that's all Experian does this fraudulent crooked company says yet again, FOR ALMOST 2 YEARS EXPERIAN HAS BEEN WORKING ON THE ISSUE, scam scam scam scam scam scam scam scam AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Product: Debt collection

XXXX XXXX XXXX reported items to my credit files as they should be Bill to the state of Florida Medicaid program through the hospitalper the information provided by personal at the time at the hospital.
Product: Mortgage

In XXXX of XXXX my husband and I were considering a refi of our current mortgage as rates were low and we were considering home improvements. My husband received an offer from Financial Freedom Mortgage and we decided based on closing costs etc to not go with the loan, instead we used the funds we saved. My husband received another call from Financial Freedom Mortgage on XX/XX/XXXX asking if we were in the market for a refi, I heard his response as I was sitting right next to him, he said NO. The woman asked for a meeting with us. He said my wife would never agree to this. The woman asked if a manager could speak with him the next day. He said the manager could call but rates are too high. My husband never gave permission to pull his credit nor did I speak to anyone giving them permission to pull my credit. I was notified by XXXX XXXX later that day that my credit was pulled. The manager called my husband on the XXXX. My husband told him that they had no permission to pull our credit. The manager denied having hard pulled our credit but of course they did. Now we are receiving calls all day long from mortgage companies trying to get our business. They had no right to do this and I feel very at risk because all the mortgage companies calling seem to have access to our credit scores. Since my husband told the manager at Financial Freedom Mortgage what they did they have not contacted us again and when we try to call them they dont take our calls. I want them to contact the credit bureaus and notify them of their error. They will not take our calls.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor XXXXXXXX XXXX XXXX XXXX ( XX/XX/XXXX & XX/XX/XXXX ) and XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX ) has violated my rights. 
15 USC 1681 section 602 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 instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for and purpose.
Product: Credit card

Discover Card Services failed for 3 months in a row to send me a billing statement or notification for {$14.00} and {$16.00} charges to my physical address or email, -- which I did not authorize on this card. ( Formerly carrying a {$0.00} balance for years! ). When I called their Representative about them not sending me any kind of statement of account, I was told that " Sorry, but there 's nothing we can do about it, you were late paying ''. I 've been a Discover cardholder since XXXX with no late payments. I would not risk ruining my good credit by not paying {$14.00} and {$16.00} statements. Very poor business etiquette by Discover.
Product: Credit reporting or other personal consumer reports

Over the past several months, I discovered multiple unauthorized inquiries on my TransUnion credit report that do not appear on any of my other credit reports, indicating fraudulent activity. Specifically, the following inquiries were recorded : 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 I did not authorize any of these inquiries. This is the second time I have formally reported these fraudulent inquiries, yet they remain on my TransUnion report despite my previous dispute and fraud complaint. Under the Fair Credit Reporting Act ( FCRA ) Section 604, credit inquiries must have a legally permissible purpose, and under FCRA Section 611, any unverifiable information must be removed. 
The continued presence of these unauthorized inquiries directly violates federal guidelines and has negatively impacted my credit profile. I request their immediate and permanent removal from my TransUnion report.
Product: Debt collection

These accounts were open fraudulently while i was in prison from XXXX XXXX to XXXX XXXX i demand that these closed accounts and collections accounts be deleted immediately according to FCRA LAW 15USC 1681 ( a )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account : # XXXX XXXX, XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX XXXX A 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 602 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

Around late XXXX 2017 I contacted Chase Bank to notify them of their shady business practices and failure to properly and professionally disclose information in reguads to their hardship program. A few months ago I took part in the program due to legal issues with my employer at that time and had not gotten paid still to this date. I spoke with Chase Bank thinking they were actually here to help and it all turned out to be a lie that has affected my life in many ways and I 'm still struggling to recover from the pain and disappointments they 've caused. I before Chase bank destroyed my credit score I had a XXXX fico 8 score. Chase Bank has maliciously allowed late payments to occur although I was enrolled in their program which caused me to fall in serious delinquency status for this account, which dropped me all the way down to a XXXX Fico. The day I enrolled in the program I specifically asked Chase Bank was there anything else that I needed to do to prevent late payments because I take pride in having 100 % on time payments as I 've had for the past 8 years and I was assured that I was good to go and everything has been taken care of and because of being on automatic payments there would be no father action on my part. Chase bank and enrolled me into a program that did more harm than effectiveness, I find it very offensive for a company that claim to hold such high standards to treat a customer in such a way as I 've been treated, I 've been calling about this month after month and they just do n't care. All I 'm requesting is that all late payments be removed from my account immediately. And I want nothing else to do this company ever in my life again I have been spreading the word and none of my family members and coworkers will apply for Chase Bank because I 'm very close to them and they have witnessed what I 've went through first hand it 's just heartbreaking. i 've even written a letter to the CEO of chase bank and it was such a disappointment I cried for the rest of the day, I was treated like a number, I was treated like I meant nothing, I was treated like I did n't exist and that everything has happened because of me, and for that I will forever share my experience about chase bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

ii just saw that someone tryed to open a card with XXXX XXXX XXXX card that wasnt me for sure, I already have a XXXX XXXX platimum please remove this hard inquiry
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I made 2 purchases of {$50.00} each of Bitcoin on Coinbase ( total {$100.00} ). 

On XX/XX/2021 Coinbase withdrew {$50.00} three times from my bank account ( total {$150.00} ). 

I have sent several emails requesting a refund of the third {$50.00} withdrawal. 
All I get in return is a generic email with no name attached telling me that the issue has been resolved, but it has not. 

They still have not deposited a refund in my Coinbase account or in my bank account as of today, XXXX 

Apparently no one has actually looked at my account to resolve this. 

Also I have received these dismissive responses for other inquiries. They just send an email saying the " case '' is closed. Less than helpful customer service. 

Thank you for your help. 

XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a car from this company 6 years ago. Upon receiving the car I had to take back a few times because of maintenance issues with the car. Dealership wouldnt fix the car until I reported to the owner. Owner of the company made them fix the problem which is persist the whole time I had the car. I dealt with this problem for 5years of the loan. I was late a few times on my loan and was a great customer. Maybe, the last 5-7 months of the loan I wrecked the car. I was out of work for a bit due to the wreck of the car. I owed around 900 of a XXXX loan and was to the end of the loan. Company was mad for me not paying the XXXX. That I owed! My plan was to pay in one payment when I received my payment for insurance. My car was reported as a charge off before 180 days of a reporting time for a charge off. I talked with someone from the company but didnt get it in writing thinking they would delete the information once paid. I was a great customer and paid my car up until the end of the loan. I only owed XXXX and I felt I was done wrong for that payment. I was stuck with a charge off on my record for 6 years now and I have been getting jacked up loans because of this treatment. This company wouldnt approve me for a new car but sent a letter 6yrs later saying Im approve for a car. The way this company treated me for XXXX I would never send a family member to them. I think the prey on people with bad credit and treat them wrong when someone falls on hard time. I didnt deserve 6years of charge off on my account for XXXX dollars I paid. Would have been nice to Have this removed so I can move on with my life. If I would have known not to trust a company when they put charge off and say they would erase once received payment. Next time get it in writing on anything they say over the phone.
Product: Mortgage

In XXXX we moved from XXXX back to XXXX. Prior to moving back we renting out our home to my daughter. When we came back we decided to refinancing and began the process with Guild mortgage. Giving them all the necessary information requiredof us. Guild mortgage ordered all inspection and documents needed for closing. I recall XXXX XXXX XXXX calling me to verify the changes and informing me that my insurance was going to go up even more due to the fact that I had to carry replacement cost vs value coverage on my policy, to which i agreed. NOW I have had 2 claims that have been denied because the insurance company made numerous errors in my policy that MY GUILD AGENT did not catch. Nor did I because XXXX failed to update the simpliest of things and left my address from XXXX. I paid Guild to process and ensure that all documents were currentl and correct and they were neglect. My policy reads home owner policy on one page and commercial on another page of the policy. So I am not covered at all but the House/ Guild is.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I have recently been informed that there is negative information reported by XXXX XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing that I owe {$320.00}. 
I challenge the accuracy, compliance and reportability of this listing. 
Please validate this information with XXXX XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Product: Debt collection

Notice for Proof of Claim Account : I.C. System, IncXXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab into. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for TransUnion in XXXX and I didn't need to use their credit report services any longer after accessing my report. I only wanted to check my credit score and I didn't realise I would be billed every month. 

I wanted to cancel the service because I was being billed automatically each month on my credit card. However, I couldn't find information on the website about cancellation. They have a FAQ section on the website but it doesn't contain cancellation information. Due to my work schedule and time zone I am in I'm in I wasn't able to make a phone call to find out what to do. They kept charging me each month and finally, after XXXX searching and searching I found a way to cancel online. 

TransUnion have a hidden page that you can't find a link to on their website, or that I could find in all of my searching. I found the direct link to the cancellation page on a XXXX thread written by other upset TransUnion customers. 

I'm extremely unhappy about my experience. Forcing people to call or search all over the internet to find a way to cancel a service is unfair and discriminates against people who are unable to speak on the phone or navigate the web with ease. 

I ended up being billed for 3 months by TransUnion. I realised after 2 months of being charged what was happening. I don't think it is fair to consumers ( especially who are concerned about their credit scores and don't have access to extra funds ) to create a system that is hard to navigate and find a way out of.