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

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, TransUnion and XXXX on several occassion twice in XXXX 2017 unsure of the dates but I also sent out certified mailings to each crediting reporting agency on XX/XX/17 also again on XX/XX/17 via regular mail concerning several bankruptcies on my credit report .. Case numbers.XXXX Case number XXXX and case number XXXX ( see attached ). I also sent emails to the CEO of each reporting agency, in which they had a regular rep call me in their stating to tell me that the items were verfied.. On XX/XX/17 I received and email from TransUnion Execective office wanting to know a time to call me. I advise I would on talk thrug email but they refuse to email back, but a rep named XXXX called me later that day and stated that the items were verified when I asked her for proof she told me to call the courts, that she did n't have any verfiying information also on today a rep from XXXX by the name of XXXX called me from telephone number XXXX and also say that the items were verfied I aske how and he said throug a third party I asked whou he then said there are several so After I 've explain to each them that I 've spoken to XXXX at telephone number XXXX with the Missouri Bankrupcy courts and she was unable to find any records that I had filed bankrupcy on my file because I never have. I also called the XXXX XXXX the attorney that I inquired about the information and he stated that he never released nor verfied any information to anyone not even a third party. Because of a previous idenity theft all of my accounts and third party account XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and XXXX therefore my personal information can NEVER BE VERFIED. This information is damaging my ability to purchase a home and my credit worthiness. These reps are wanting me to suboenia inaccurate information that affect my life as well as the livelyhood of my children.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX # XXXX, XXXX XXXX L # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

On XX/XX/2022, I called Great Lakes Borrower ( XXXX  ) and requested a refund for the payments I made during the COVID deferment period. This amount totaled {$5200.00}. I was advised by the male representative that I would receive my refund back in XXXX days. After seeing concerning posts online about how XXXX changed the return dates have been extended to XXXX days, I followed up on XX/XX/2022. I was advised that it would now take XXXX days to receive the amount. I was told I didn't need to do anything further. At this point the amount I owe had not updated. I have seen online in places such as XXXX, where people who requested for refunds in XXXX ( this is well after my request date ) have already received their payments. On XX/XX/2022, I called and spoke with a female customer service representative who was less than helpful. She told me she wasn't sure why other people would receive a refund before me. She explained that some people get their refunds in the XXXX day window, and others it takes longer. She then said I was still in the XXXX day window ( I was well out of it. ) She told me I should see my balance update within the next week or so. Here I am over a week later, still no updated balance, still no refund. I have concerns that I will not have an updated balance before my loan is forgiven. This has been a very disheartening experience, and I feel awful for anyone who uses this service for future student loans. Please be aware of who you are using being signing into debt because you are at their mercy. If I owed this company over XXXX, they'd be coming for my throat with XXXX time to respond.
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction with the delay in addressing the open accounts issue. As a valued customer, I believe it is crucial to highlight the importance of timely resolution of such matters to ensure smooth business operations and maintain a positive customer experience. 

Despite my initial attempt to rectify the late open accounts, there has been a significant delay in addressing the issue. This delay has not only caused inconvenience but has also led to potential financial implications for both parties involved. 

I understand that mistakes can occur, but it is imperative to prioritize swift action to correct them and prevent any further inconvenience or financial repercussions. I urge you to expedite the process of resolving the open accounts and provide a clear timeline for its completion. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$81.00}.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three 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 XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX
Product: Credit card or prepaid card

I have a credit card with Capital One and am hoping to pay off the entire thing. I paid my entire balance ( {$9900.00} plus change ) and my balance became zero. My statement then showed a balance of {$200.00}. I was told this is from a previous balance. My understanding of the CARD Act leads me to believe this practice is against the law. 

Furthermore, I requested the exact amount that I needed to pay to be completely free of debt from Capital One and I was told by the customer service operator that she was unable to provide me with that information. It seems like an act of fraud that a creditor refuses to tell its consumers how much they need to pay at a given moment to be completely free of debt.
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 on my credit report, leaving inaccurate or verifiable 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 disputed account, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

On XX/XX/22. Me and XXXX got paid and the founds were deposited inti our Wells Fargo joint account in XXXX, that afternoon all the money were from our saving account ( XXXX ) and XXXX from our checking account because of a credit card balance judgement on me only ( not my XXXX ). Under XXXX laws the joint account between XXXX and XXXX is protected from garnishement. But the bank Wells Fargo still processed the transaction illegally even after speaking with their legal department on XX/XX/22 twice, they were very rude and did not care about the law nor my situation. So we were left with only XXXX dollars on our account, we have XXXX XXXX and now we cant even survive. This was illegal!! Please note that the judgement is only on my name and it said that the send the paper work for the court to an old adress that I have nt live there in years. This whole process is illegal and Wells Fargo bank did not care about the law!!
Product: Money transfer, virtual currency, or money service

Transaction ID XXXX I am writing to convey my dismay with Paypal unethical money delivery practices. The amount was already deducted from my bank on XX/XX/22. 
When I sent the money I called and asked their service center and was told the delivery is immediate, however until today the transaction is still pending and money is not delivered. 
I called and requested cancelation and was told I can not cancel. Initially the transaction showed it will clear on XX/XX/22 and now it shows that it will clear XX/XX/22 THAT IS OVER A MONTH. 
If a company will delay a transaction they should prompt people before they send so they do NOT use their service ; not hold their money indefinity. 

With that said, I am requesting Paypal either release the money or make a full refund
Product: Credit reporting or other personal consumer reports

I disputed the collection agency XXXX XXXX XXXX  regarding the Original Creditor XXXX XXXX XXXX a medical bill with all three agencies. I noted that based on cfpb medical bills would be removed or not listed on reports, however, they all left it on the report. 

I noted and provided the link to the hospital for XXXX. I also chatted with Transunion 's rep and they also said the medical bill shouldn't be listed even if it's a collection agency listing them. If you XXXX XXXX XXXX XXXX XXXX hospital/medical centers populate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I attached the chat transcript and highlighted the rep 's entry that medical bills shouldn't be listed. 

By the way, the name on this account is incorrect, it's XXXX and not XXXX.
Product: Debt collection

I had sent a notice to this company to cease all communications as described in the fair debt collection practices act ( FDCPA ) in regards to the following account XXXX  The FDCPA describes communication as " conveying of information regarding a debt directly or indirectly to any person through any medium '' and credit reporting is an indirect medium that this company has chosen to continue to communicate with me. This violates the FDCPA and my right to privacy as a federally protected consumer. At this point I demand compensation for their willful and knowing violation.
Product: Debt collection

There was a wage garnishment placed against me which was granted by the courts in XXXX County,  VA however no is able to provide me with a Notice of Service. I was not contacted about this matter, the address that is on the summons XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX which was provided to me by my employer is not my current address. I have not resided at the address on the summons in over 6 months. I did not know I had a court date nor did I know I had the opportunity to dispute this debt, my right was taken away from me. I am also the only one working in my household as my husband is currently battling XXXX XXXX and is unable to work. So this was a stressful shock and has/will effects us financially I am I the only one carrying the financial burden.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE I implore you to promptly address the unauthorized inquiries on my credit report, as they are causing me significant distress. I did not authorize or initiate these accounts, and it is unjust for me to be held responsible. Please take swift action to resolve this matter.
Product: Credit reporting

Equifax has reinserted accounts deleted for not providing verifiable information.
Product: Credit reporting or other personal consumer reports

I have filed for bankruptcy and I should not have any negative things on my report or any open accounts. 
They have a filed but did not remove the things on my credit report as they were supposed to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lowe 's is reporting a debt on my credit file that I do not owe. I recently took a look at my credit file and noticed this debt. This debt is very old and past the statute of limitations in Utah. Under the FDCPA I no longer have to pay on this debt and lowes can no longer make any collection efforts which includes credit reporting. I do not owe this debt and it needs to be removed off my credit file.
Product: Debt collection

This company was contacted 3 times in writing advising that I am disputing and requesting validation of the debt. I have also disputed on my credit report several times as well. I do not recognize this company or the debt being reported to my credit. 

I have never received an initial notification from this company advising me of the debt they claim I owe or providing me my right to dispute/request validation. This account was discovered after me taking initiative to pull my credit report. 

This company has not responded in 7 months. They are ignoring my written correspondence and request for validation. They are updating my credit report disputes as " verified as reported '' but have not complied with the FCRA by sending me proof of the debt. This is illegal and unethical. I believe they should be investigated as there may be many more people affected by the illegal practices. I intend to also file an attorney general complaint as well as a XXXX  complaint. I will also be seeking legal action against this company for failure to adhere to the law.
Product: Checking or savings account

Monthly maintenance fee of {$12.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX with no explanation.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act, XXXX Account XXXX 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 written 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 any purpose.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XXXX XXXX XXXX, I paid the agreed upon settlement amount in full for Credit Acceptance Account # XXXX. Per the settlement arrangement, Credit Acceptance agreed to update my credit report and send us the lien release ( for title ). 

On numerous occasions ( via phone and in the Credit Acceptance online portal ), Credit Acceptance confirmed ( and showed ) the " XXXX balance '' as per the paid settlement agreement. 

Despite payment in full, on XX/XX/ and for the next three months, Credit Acceptance continues to show a balance as {$13000.00}. 

My wife and I called and asked Credit Acceptance to properly report the balance on all XXXX credit bureaus. They refused. I was told that even though they see the XXXX balance, it's not their obligation to report that to the credit bureaus unless we file a complaint with Credit Acceptance in writing which could take 30 days. 

When I stated this is a Fair Credit Reporting Act violation, they said it's not because they only update balances when consumers file a written complaint. 

Even if this was their internal process for " closed accounts, '' what makes this an intentional violation is that Credit Acceptance reported the wrong balance and status on XX/XX/ on my " closed account '' despite their internal system showing a XXXX balance. 

To date, Credit Acceptance refuses to properly report my balance and update the status of this account on any of the credit bureaus. They have ignored my requests to report this accurately. It is causing an extreme financial hardship on me and my family. I am the primarily bread winner in my family and my credit has dropped almost XXXX points as a result.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not permissible to fail to validate this reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX  XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXXXXXX Reference XXXX
Product: Credit reporting or other personal consumer reports

Someone has been using my information to open fraudulent credit card account without my permission and or knowledge if you will. This was done without my consent and done against my will. The time and dates stated below are as followsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These applications for credit WERE NOT SUBMITTED MY ME I DID NOT AUTHORIZE FOR MY CREDIT TO BE CHECKED RAN ETC, and for anyone to do so. SOMEONE HAS STOLEN MY PERSONAL INFORMATION
Product: Checking or savings account

Citibank still owes me money that they allowed to be deducted to pay a completely different and unknown XXXX XXXX bill. I don't even own a XXXX XXXX. 

Specifically, the XXXX E-payments were for : {$560.00} on XX/XX/year> {$950.00} on XX/XX/year> {$690.00} on XX/XX/year> Citibank still owes me {$2200.00} I want all the deductions returned to my account ASAP. 

Citibank has known about this for months yet has not return the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$750.00}, {$300.00}, {$1000.00}, {$700.00}, {$1100.00}, {$510.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$750.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account. 

3. XXXX XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

4. XXXX  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$700.00} -This is not my account. 

5. XXXX  XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1100.00} -This is not my account. 


-- COLLECTION ACCOUNT 6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$510.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME, I AM NOT LIABLE TO THOSE TRANSACTIONS AND I AM REQUESTING IMMEDIATE REMOVAL OF ALL THE DISPUTED ACCOUNTS ON THE REPORT. PLEASE REMOVE THE DISPUTED ACCOUNTS IMMEDIATELY FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY CREDIT FILE AND SSN.