23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with Consumer
Product: Credit card or prepaid card

Hi, On XX/XX/2018 I placed a call to inquire about a new monthly interest charge I was receiving because I wanted to pay off the portion of the current balance that was causing these charges ( XX/XX/2018 for {$10.00}, XX/XX/2018 for {$2.00} ). The following charges on my account I believe were to be causing the interest charges : XXXX XXXX XXXX XXXX XXXX NY - XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX NY - XX/XX/2018 I want to pay off these charges on my balance in order to avoid any further interest charges. Currently the employee over the phone stated that I must pay off the promotional balance transfer offer first and then I would be able to pay these charges off after to avoid interest. This makes no sense to me as they allow you to do this for their consumer credit card but not their business credit card, why? I also complained about this before and had to get in touch with a manager last year who did refund my interest charges. 

Prior to these charges, I was sent a series of promotional balance transfer checks that I wanted to use for my business. I have paid the balance promotional fees required for each check I took out but now that I am paying additional interest charges, this seems like XXXX XXXX XXXX is trying to take advantage of me as a small business and charge me on anything else possible despite being a loyal customer for several years with great credit and very good record.
Product: Credit reporting

There are XXXX liens that are inaccurately reporting on my credit report for Transunion. In fact, they are not even reporting on any other credit bureaus, not XXXX nor XXXX. What Transunion is doing is blatantly discriminating against me. They have been doing this to me for over a year. They have violated my constitutional, federal, civil rights, and the state constitution. They are also violating the FTC and FCRA rules and regulations. They are in violation of everything I can think of. They clearly stated that they verify with a third party which I do not know of. It certainly is not the courts or the source of any records, where I have so called lien records. 

WHO DID YOU VERIFY THIS INFORMATION WITH? WAS IT THE SOURCE? 
I DID RECEIVE THE XXXX VS XXXX PERSONALLY IN THE MAIL SHOWING THAT YOU CREDIT BUREAUS HAVE BEEN IN VIOLATION OF VERIFYING PUBLIC RECORDS ANYWAY WITH THIRD PARTIES. AND YOU ARE THE ONLY BUREAU STILL DOING THIS. YOU MUST BE STOPPED!!! 

Who Told them it is ok to report it? There is no law requiring any public records to be posted to a credit bureau. And there is Section 603 in the FCRA which states that in order to post anything to a credit bureau, you need the consent of the consumer. They are private, for profit ( massive profit!!! ) companies and they can not put just anything on there that they feel that they have a right to do. Plus XXXX does not have any firsthand knowledge of the actions they report. How do we know they are accurate? Unless Transunion is going straight to the courts, anything being reported is hearsay. YOU need to prove it with a certified document and not just on YOUR word which is worth squat. 

I trust that it 'll be resolved the second time around. I have filed a complaint with the Consumer Financial Protection Bureau and am in the process of filing with the Federal Trade Commission, and later I am going to SUE if this is not resolved!! 
I WILL ALSO FILE A SECTION 42 USCA 1983 ON YOU!! 

I have included the letters from the courts that I have received from them, which is actually the source showing that I do not have any current or prior tax liens with them. So, I have concluded that that is a fraudulent claim that you have against me and it is intentional. Call the source at their numbers on the letters and hear it from them. Or write them. I want these liens removed in 4 business dayS!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am applying for a credit card through Credit Karma, according to the website they said I have a high possibility of approval or 100 % or something like that and I got denied that affect my credit
Product: Checking or savings account

Chase has a promotion for opening a checking and savings account where one will receive XXXX and XXXX respectively if certain criteria is met. 
If both are done then an additional XXXX is received, totalling XXXX dollars. 

I received the XXXX for meeting the checking criteria, however, for savings they stated I did not deposit new monies of XXXX. 
I did transfer XXXX from another bank the day I opened the account but they mentioned transfers do not count as a deposit and this is not stated at all in the fine print.

Fine print : To receive the savings bonus : 1 ) Open a new Chase SavingsSM account, which is subject to approval ; 2 ) Deposit a total of {$15000.00} or more in new money into the new savings account within 30 days of coupon enrollment ; AND 3 ) Maintain at least a {$15000.00} balance for 90 days from the coupon enrollment. The new money can not be funds h
eld by you at Chase or its affiliates.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 60 days past due on XXXX partial account number XXXX. ( Please see pages 10 and 11 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

BMW FINANCIAL Reported a late payment when I made 2 payments at once.They refuse to correct the situation. 
BMW refuses to correct or even consider this matter of complaint. 
Oddly, they did not even charge a late fee. 
Usually when people pay late, a fee is charged. 

Supporting photos attached. 

Thank you
Product: Credit reporting or other personal consumer reports

I am having trouble with the credit bureaus lack of investigation into very important errors that are showing up on my reports. I sent the letters along with verifying documents and they have not investigated and removed or corrected the listings. They are falsely verifying things that show up differently on other reports. They are in violation of the law and I need help because they are not doing what they are supposed to do and it is causing me a great deal of stress.
Product: Credit card or prepaid card

I contacted the credit card company XXXX Barclay Mastercard several times about a charge made on my account that the vendor/merchant agreed that there was an error. The credit card company said they would handle the dispute and even gave me a case number, but they are still trying to get me to pay the transaction. The purchase amount is {$130.00} from XXXX XXXX in downtown XXXX on XX/XX/XXXX. The transaction posted on XX/XX/XXXX. I contacted the hotel several times and they told me that the credit card company made an error. The credit card company has refused to call me or email me to resolve this dispute even though I left them both contact information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX A XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX ; XXXX, XXXX, A ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX CT XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX NORTH XXXX, CA XXXX XXXX XXXX, CA ; XXXX XXXX XXXX Balance : - ; XXXX  XXXX Balance : {$580.00} ; XXXX  XXXX XXXX Balance : {$4200.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$480.00} ; XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX : {$1100.00} ; XXXX. XXXX, XXXX Original creditor : XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXX  / XXXX Balance : {$240.00} ; XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

PER THE FAIR CREDIT REPORTING ACT Section 605A. [ 15 U.S.C. 1681c-1 ] : I am sending you this letter to initiate my request for your company to place a security freeze and surpress from sharing ANY information about me : XXXX XXXX XXXX XXXX 
I do not consent nor authorize the sharing of my information to the public, specifically with data aggregators who are looking to collect information on my behalf.
Product: Credit reporting or other personal consumer reports

I reach out to experience in XXXX about inaccurate things reporting to my report and I believe they did not conduct a thoroughly investigation to resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

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

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


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

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

I XXXX XXXX am formally disputing any and all debts that AMSHER COLLECTION SERVICE say I owe. Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U S C 1692g, I am exercising my right to request full validation of thiss alleged debt. Untill proper validation is provided, I do nott acknowledge or assume any responsibility for this debt..

Pursuant to my rights under 15 U S C 1692g, I am requestingg the following : 1. Complete validation of the alleged debt, including a detailedd breakdown of the amount owedd, the name of the original credittor, and any relevant account details. 
2. The original purchase agreement between AMSHER COLLECTION SERVICE the original creditor, proving legal authority to collect this debt. 
3. Proof that AMSHER COLLECTION SERVICE is licensed and bonded to collect debts in my state Pennsylvania. I expect copiess of the current licensee and bonding information.

AMSHER COLLECTION SERVICE has failed to provide the required validation information before placing this account on my consumer report, violating : 12 CFR 1006.34 ( b ) ( 5 ) Collection agencies must provide validation information before reporting a debt to a consumer reporting agency. 
12 CFR 1006.34 ( c ) ( 4 ) ( i ) Consumers must be given the opportunity to dispute the account before it is furnished to consumer reporting agencies.

Becausee of thesee violationss, AMSHER COLLECTION SERVICE has no legal authority to collectt or report this debt.
Product: Money transfer, virtual currency, or money service

I sent a Bitcoin transfer from XXXX to XXXX at XXXX XXXX - XX/XX/XXXX XXXX. As of XXXX XXXX. The transfer has still not gone through. XXXX still does not show the XXXX transaction hash ( the hash shows for previous transfers ) and the XXXX is nowhere to be seen on either of my accounts. The transfer was for XXXX1 XXXX. 

I contacted XXXX customer support one week after the transfer and have still not heard back from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I have recently noticed on my credit reports that several attempts were made to obtain goods/services under my personal information without my consent. I do believe I am a victim of identity theft. I am requesting that the following information be reviewed and removed from my personal credit reports. The items I am requesting to be removed are included in this report and below in my personal statement : 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 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like a written authorized signature stating I authorized these inquiries if they can not provide the documentation I would like it removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 
Initial dispute sent XX/XX/2020 30 Day demand to comply sent XX/XX/2020
Product: Debt or credit management

I make a dispute in XXXX and the deleted that collection but when I enter to my XXXX, the collection is in there. I don't know why o how. And this collections still email me asking to pay the debt, when the credit burues deleted.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The XXXX XXXX XXXX  account listed in the FTC report that Im attaching are results of identity theft. I have contacted the credit bureaus numerous times regarding this matter, and nothing has been done to remove these accounts. I'm attaching documentation in regard to this identity theft. I have requested that XXXX XXXX XXXX provide the AGREEMENT and SIGNED AGREEMENT WITH MY LEGAL SIGNATURE to show full ownership of such an account and also other documents.
Product: Credit card

Dear American Express, I hope that one of the representatives can call me to look deeper into the dispute that I have with XXXXXXXX XXXX The dispute number is : XXXX To sum it up, the dispute was rejected for 2 main reasons 1 ) The merchant agreed to take in the vehicle to fix it and 2 ) I signed on the sales agreement The truth is, the merchant blocked me after I sent them an inspection report from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) that the car is still broken. They blocked my number and is unwilling to fix the vehicle. In addition, I never signed a sales agreement. If you take a look at the photo that the merchant provided on the receipt, the Merchant signed my name on the receipt without my knowledge. 


I have attached all the evidence in the CFPB report, please call me if you need additional information. In the CFPB report in XXXX, I received a resolution that someone tried to call me to collect information. However, I never received those calls. Please text and call me at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello please need to removed a collection is showing in my credit report innacurate, I filled a complaint to dispute a collection is showing in my credit report that is never been my account or never had a credit card with this company or bank thank you.
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. I told XXXX, XXXX y equifax to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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. 

XXXX5 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 ) ( a ) 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. 


I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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

I am making a complaint against this company because they are refusing to re-investigate a public record that is currently reporting on my credit report. I have submitted documentation that I have submitted an Identity theft report and that the validating company, XXXX XXXX has nothing to report to the bureaus that would support its needing to be on my credit report. 

I am currently suffering due to negative remarks on my credit and I am not allowed to obtain credit due to this inaccurate reporting.
Product: Money transfer, virtual currency, or money service

My son did five transactions through USAA using XXXX. I am a secondary owner on the account. We contacted USAA and where usually, they would provide a provisional credit while they investigate ; only two days later they replied that there was nothing they could do. They claimed they contacted the XXXX network and the scammer 's bank. The amounts totaled over {$1600.00} which is a lot of money for an XXXX old to lose. I understand that other banks have been able to retrieve funds back for being scammed. I am reporting my frustration that USAA is not willing to help retrieve the lost funds.
Product: Debt collection

Kohls company will call XXXX times a day, will not leave a message, and is at all hours of the day. I set up a payment to be automatically taken from my account on a specific day. That day I looked in my account and saw it was pending. Kohls company called me XXXX times even though I had made the payment. They need a better system.
Product: Credit reporting or other personal consumer reports

on my credit report there is a credit card by XXXX XXXXXXXX opened on XXXX XXXX credit limit of XXXX and I did not apply or authorized that credit card. 
I sent them letter from my attorney stating I was in XXXX XXXX and they still are holding me responsible I called them but they don't want to release information to me. 
XXXX XXXXXXXX is also using an address that I never lived at which is XXXX XXXX XXXX XXXX XXXX  ca XXXX I have also sent documentation to Transunion to removed the incorrect information to no avail.