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

I am writing to bring your attention to the accuracy and completeness of certain information that has been reported about me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

The payments that are being reported on my credit profile violate my consumer rights under FCRA consumer law 15USC 166B. As a longtime customer that has exceptional payment history with Tidewater Motor Company, I am appalled that they will violate my consumer rights in such manner that is detrimental to me achieving a good credit profile which affects my approval chances for other accounts.

After speaking with Tidewater Motor Company customer service, they were not helpful and never helpful and didn't listen to me as a long-time customer. They advised there was nothing they could do, although they were aware my consumer rights had been violated. I can not believe a company of this magnitude doesn't care about their customers consumers rights. 

Tidewater Motor Company is tarnishing my name and credit profile by reporting these late payments inaccurately without my consent. As well as my creditworthiness, character, and my general reputation which is all against the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed a XXXX XXXX XXXX XXXX XXXXXXXX Reference number XXXX, XXXX with the credit bureaus Experian, XXXX, and XXXX -Which one of them ( Experian ) confirmed the public record was verified by the court. I asked Experian to disclose their method of verification on the alleged bankruptcy they are reporting. They replied to me with the bankruptcy being verified. I then reached out to the courthouse and their correspondence to my letter was that they do not verify or validate information from consumers ' credit files. 

In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just reviewed a copy of my Experian credit report and found the following information to be an error. You are reporting inaccurate information about accounts reporting to my credit file.
Product: Debt collection

I came to the ER with low belly pain on XX/XX/XXXX, but the pain had subsided by the time I saw a resident doctor. The only test I received was a blood test which came back normal after 3 hours of waiting. However, XXXX XXXX XXXX sent one hospital EV bill {$2500.00} to my insurance company XXXX XXXX and {$500.00} to me. I called XXXX regarding the bills and asked why upcoding my bill, I was told I do not need to pay the hospital EV bill. My insurance company rejected payment. XXXX sent {$1700.00} to a collector in XX/XX/XXXX. This EV bill is charged with {$2500.00}, but XXXX sent me three different bill statement with three different balance. The collector directly reported to credit bureau to drag me credit score down without contact me. Based on publicly available information for patients without health insurance from FAIR Health Consumer, a moderate-level XXXX visit, such as for a pain with fever is about {$400.00}. it appears XXXX XXXX is taking advantage of the fact that I do not have dispute ability and is blatantly abusing that power. 

XXXX ( University of California XXXX XXXX XXXX ) neither providing the review result nor making correction to my credit report. They continue to abuse their power to send the debit to PROGRESSIVE MGMT to draw my credit score down. They always make money with upcoding or services that dont exist at all. This is a very despicable act.
Product: Credit card

My personal information was used to obtain an drivers licsence. and open up credit card accounts without my perimssion.
Product: Checking or savings account

On XX/XX/XXXX, my checking account was debited {$750.00} from " XXXX XXXX. '' I do not have an account with this institution and this transaction was unauthorized. I have since contacted my bank " SOFI '' and disputed the charge and placed a restriction on my account. I then contacted XXXX in search of any information in looking for the source of the fraud. They were unable to assist me even after my willingness to provide my information, the transaction ID, and checking account number. This issue seems to be mine to solve, even though I entrust thousands of dollars to SOFI bank.
Product: Student loan

They want me to pay over {$100.00} a month for loans but I 'm barely making it out in the real world. I went to school for   XXXX   XXXX   but not working in my field because they say I did have enough experience so I had to take a finance job because could no longer find work as a   XXXX   XXXX   because lack experience
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent ar address fraud on their platform, leaving my + account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements XXXX 
under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a dispute letter certified to TransUnion about information on my credit report. I asked for contract signed with my signature of the account as stated on my credit report, from XXXX XXXX XXXX, and if the credit bureau can not provide it, that it be removed and a copy of my credit report sent to me with the updates. I received a letter dated XX/XX/2022 from TransUnion that the information was verified from the collection agency. I called TransUnion on XX/XX/2022 and asked what information was provided for verification and was told it was an electronic response so they dont have any proof the account belong to me. I also asked about the contract I requested and the bureau stated they dont have it.
Product: Debt collection

They are saying they can take me to jail for something i knew no knowledge of has farr as XXXX for my lisense plat XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 not reporting across all bureaus. incomplete account number, inconsistent. Please remove for innacuracy, no knowledge of this account, no contract with this company XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - summary XXXX XXXX XXXX Account Number XXXX Original Lender XXXX XXXX XXXX XXXX Name XXXX XXXX  Date Assigned XXXX XXXX, XXXX  Original Balance {$160.00} Current Balance {$160.00} XXXX XXXX XXXX XXXX account Comments Placed for collection XXXX XXXX Collections - summary XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I was looking over my credit report and was very frustrated to find that there were a number of inquiries being falsely reported without my consent. The bureaus did me a major disservice by putting this inquiries on my report with any kind of verification that they were true and accurate. I did not give them permission to give away my information to the companies listed on the given dates and need this fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern.

Sequium Asset Solutions have placed a derogatory remark on my credit report claiming I owe the company a {$240.00}. The company claims the account was opened XX/XX/2021. 
I have not had any dealings or signed any contracts with Sequium Asset Solutions. I am requesting for Sequium Asset Solutions to remove every derogatory marks made on my credit, to be removed immediately.
Product: Credit card or prepaid card

On XX/XX/XXXX, Citibank closed my XXXX XXXX XXXX XXXX XXXX Mastercard account. 

On XX/XX/XXXX, Citibank closed my XXXX XXXX XXXX XXXX XXXX Mastercard account. 

On XX/XX/XXXX, Citibank closed my Citibank XXXX XXXX Visa. 

When calling Citibank customer service, no one could give me any information over the phone and I was instructed to write a letter to Citibank to obtain the reason why they closed my accounts. In addition, I received letters from Citibank stating that I may request a statement for specific reasons for the action taken to close my accounts in writing. Per the letters, upon receipt of my request Citibank stated that they would send me information in writing within 30 days. 

On XXXX, XXXX, I separately sent letters XXXX letters to Citibank requesting information about the XXXX   accounts and on XX/XX/XXXX, I sent a letter requesting information about the XXXX XXXX Visa account. 

After 30 days, I never received a response. 

On XX/XX/XXXX, I send a letter via certified mail requesting this information again and I still have not received any information. Per the U.S. postal tracking system, Citibank received the letters on XX/XX/XXXX. 

My credit score is exceptional and I was never was late or missed any payments. 

Additionally, based on my discussion with Citibank customer service agent, by Citibank closing my account with no logical explanation and without any notice, my XXXX cash rewards funds were forfeited by their unilateral actions. I consider this action to be both unethical and without merit. I have demanded that my XXXX cash rewards amounts in excess of {$1600.00} be remitted to me immediately. I have been using the XXXX card for many years and have never been late on any payment and have paid my balance in full every month. My card and the card in my wifes name was being used for substantially all of our purchases on a daily basis and we use this card almost exclusively to earn this cash rewards rebate..
Product: Credit card or prepaid card

AFTER SEVERAL ATTEMPTS TO RESOLVE THIS MATTER WITH BOTH THE BANK AND THE HOTEL WHERE I STAYED. I HAVE NO RESOLUTION. I WAS DOUBLE CHARGED MY STAY AMOUNT OF {$1100.00} ON MY CREDIT CARD STATEMENT. I HAVE ATTACHED DOCUMENTATION TO SHOW THE DUPLICATE CHARGE. AS WELL AS EMAIL THREADS SHOWING THAT THERE SHOULD ONLY BE ONE CHARGE OF {$1100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the consumer. I am the natural person who is protected by the US Constitution and State Constitutions. I am not an entity the State created, I AM THE BENEFICIARY to such trust. I am not a resident of the State. I am not a US citizen. I am a citizen of the kingdom of Heaven. For He is my Creator. Isaiah 54:17 NKJV No weapon formed against you shall prosper, and every tongue which rises against you in judgment, You shall condemn. This is the heritage of the servants of the XXXX, and their righteousness is from me says the XXXX. This complaint is against XXXX BANK by me, XXXX XXXX XXXX. Date of LIVE Birth is XX/XX/XXXX. XXXX BANK has flagged a closed account in our name. We sold our house in XX/XX/XXXX. XXXXXXXX XXXX XXXXs alleging we voluntarily foreclosed on our home. They are making adjustments to unlawfully created accounts in our name. They have recently made reports to consumer reporting agencies without our consent to do so, which caused adverse actions to both me and my wife. XXXX XXXX did not disclose this to us nor did they have our consent to report to any consumer reporting agency or make adjustments to any accounts in our name. They have unlawfully used our identification information to commit fraud violating 18 USC 1028 and 18 USC 1028A and15 USC 1681b ( 2 ) 15 USC 1365. 15 USC 1693l. 18 USC 1341, 1342,1343, 1345,1346, 1348, 1349, 1350, 1351. 26 USC 1031, 15 USC 1693h, 15 USC 6821, 18 USC 2332b. They made reports on XX/XX/XXXX for the same reasons as this which caused the same adverse actions then too. This material misrepresentation is in an attempt to defraud the United States and Internal Revenue Service as well as myself and my husband XXXX XXXX. In my most recent update from Experian, my notifications showed XXXX XXXX  flagged my account as bank adjustment/deed in lieu/Bank Liquidation. The Deed was sold to XXXX XXXX  to avoid the continuous threats, abuse, and harassment from XXXX XXXX XXXX XXXX XXXX. The threats, harassment and abuse caused us personal injury not only to ourselves but also to our family and private personal property. XXXX XXXX XXXX XXXX XXXX  listed us as tenants in their unlawful, illegal contracts. We were not tenants nor did they have any lawful or legal right to possession of our private property. We owned our home. We extended credit to both XXXX XXXX XXXX XXXX XXXX  They deceived us but the proof is in the sale. The documents we retained from the sale of our home required signatures of the OWNERS of the home, which were myself and my wife XXXX. The consumer reporting agencies failed to verify information before lowering my XXXX XXXX XXXX points both times. XXXX and again in XX/XX/XXXX. XXXX XXXX XXXX XXXX  Experian, XXXX, XXXX are guilty of frauds and swindles, Identity theft, Aggravated Identity theft, Failure to protect customer information of financial institutions and so much more.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : On XX/XX/2023, I sent a letter to the courthouse asking if they report bankruptcies to the credit bureaus and I got a letter stating They do not actively publish information about any case to credit reporting agencies. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

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

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

I've had issues with the last 3 billing cycles specifically with care credit company. I am not fully aware of the interest accrued as well as late payments they say were missed. I've been charged unexpected late payments which has affected my credit score as well as balance on card. Every time this company stated there was a late payment I've had to call and speak with different representatives just for them to remove the inaccurate late pays. I need a solution to this frequent problem. I don't feel good as a consumer knowing that this issue has occurred on multiple occasions. I've had to reach out to the financial institution they withdraw money from due to care credit stating they've never received payment from my account and sometimes payments were taken out twice and they stated it was nothing they could do about it when I reached out. The representatives were extremely rude when needing help. There should be no late fees as well as accrued interest. My credit limit has even decreased from {$800.00} to {$550.00} due to erroneous information they stated was on my consumer report. I do not agree with this and the company has to be held accountable for their actions.
Product: Credit card or prepaid card

My citi bank Best Buy card account says I owe {$530.00} when I owe nothing. At this point I have paid them more than what I have bought, the card has no interest. I have contacted them multiple times over the secure message part of the website that says I will be replied to in 4 hours. It has been a week with no reply. 

I do not owe any money on my Best Buy citi bank account. I have only bought {$1300.00} worth of items from Best Buy and have made payments or received credits of {$1300.00}. My charges are ; XX/XX/XXXX for {$410.00} XX/XX/XXXX for {$16.00} XX/XX/XXXX for XXXX XX/XX/XXXX for {$86.00} XX/XX/XXXX for {$210.00} XX/XX/XXXX for {$270.00} XX/XX/XXXX for {$35.00} XX/XX/XXXX for {$38.00} XX/XX/XXXX for {$20.00} XXXX {$200.00} I have made payments or received credit of {$1300.00} ; XX/XX/XXXX return of {$19.00} XX/XX/XXXX return of {$21.00} XX/XX/XXXX return of {$64.00} XX/XX/XXXX late fee reversal of {$28.00} XX/XX/XXXX return of {$210.00} XX/XX/XXXX payment of {$66.00} XX/XX/XXXX return of {$210.00} XX/XX/XXXX return of {$85.00} XX/XX/XXXX payment of {$100.00} XX/XX/XXXX payment of {$100.00} XX/XX/XXXX return of {$33.00} XX/XX/XXXX payment of {$100.00} XX/XX/XXXX payment of {$200.00} XX/XX/XXXX payment of {$130.00} Please correct this since I have only bought {$1300.00} worth of items and have paid or received credit of {$1300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted three letters to Equifax asking them to remove account XXXX XXXX from my credit report. This account is an Unknown Account and has no Account Number no contact information and is missing other info. This account is reporting inaccurately and needs to be removed from my Credit File.
Product: Credit card

I signed up for a PayPal account through their online portal. At no point did I authorize or give information for a line of credit through PayPal. Without my permission, PayPal did a hard credit inquiry on me and opened a line of credit in my name. I closed the credit line immediately upon realizing, which was extremely difficult to do as PayPal customer services was evasive in my attempts to close the account. I am now left with a hard inquiry on my credit report, and as a young person without longstanding credit, this inquiry is causing a decrease in my credit score.
Product: Credit reporting or other personal consumer reports

I've disputed the late payments listed for XXXX XXXX XXXX below with both creditor and bureaus and haven't received any validation, no updates on how the information was validated, a fulfilled request of a written statement to furnish any of my private information via any instrument or means of communication.

I am writing to request the removal of five late payments that have been reported on my credit report for the account referenced above for XXXX ( XXXX XXXX XXXX XXXX ). After carefully reviewing the applicable federal laws, I believe these late payments should be reconsidered for removal in accordance with the following provisions : 15 USC 1666b This section outlines specific protections for consumers regarding the timing of payments and the crediting of payments to their accounts.

15 USC 1637 ( b ) This statute governs the disclosures creditors must provide, which includes accurate and timely information about account status and balances.

15 USC 1681s-2 This statute requires creditors to report accurate information to credit reporting agencies and to correct any information that is found to be inaccurate or outdated.

15 USC 1681i This section provides consumers the right to dispute information on their credit reports and mandates prompt investigation of disputes by credit reporting agencies.

Given these provisions, I respectfully request the immediate removal of the five late payments from my credit report. I have always strived to maintain a good relationship with your company, and I hope we can work together to correct these issues. I believe this adjustment will accurately reflect the status of my account and ensure that my credit report is free from any inaccuracies.

I would appreciate your prompt attention to this matter and would like to thank you in advance for your cooperation. Please feel free to contact me if you need any additional information to process this request.
Product: Credit reporting or other personal consumer reports

XXXX XXXX {$1200.00} XXXX XXXX {$720.00} These accounts is not mine. I've sent disputes and there wasn't any change. I've recognized this is not my debt. Also, I realized inaccuracies within the accounts itself that is grounds for immediate deletion. I will also list the credit laws in which these accounts goes against with the FCRA. 

15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by XXXXredit Reporting Agencies ( CRAs ).

15 USC 1681i ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation.