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

Looking over my report and noticed a medical debt that was paid but is still reporting on my credit report., I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX # XXXX, to release my medical information to a third party. I am aware that HIPAA does allow for limited information about me but anything more than to is to only be revealed with the patient 's authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPPA authorization. 1.Please provide a breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you.
Product: Credit card or prepaid card

I attempted to use my American Express card to purchase tickets to a show at a website which I had not used before named XXXX. I was unfamiliar with the website and attempting to put together a trip. I did not realize that what I was purchasing was so expensive and that it included trip insurance, and a few other add-ons. This occurred on XX/XX/XXXX. Suddenly, I realized that the total purchase price was {$940.00}. At about the same time, my potential transportation fell through and I decided to cancel the trip for good. When I received no response from the email XXXXXXXXXXXX, I attempted to contact the trip insurance ( which I had not realized that I was purchasing ) email address about cancelling the trip -- - All on this same date of XX/XX/XXXX I phoned American Express and indicated my predicament and mentioned that I wanted to cancel immediately. At first, American Express told me I could do nothing until the purchase was actually charged, then when it was charged, I was advised to file complaints, which XXXX  refused to resolve. I never received an answer from the vendor, or so-called 'trip insurance '. I attempted to cancel with every party within an hour or two after the purchase. Have never had bad experience with other credit card companies, and clearly the XXXX folks were not willing to negotiate this with me. I have sent them appeals through out the year ; In the year XXXX, the purchases on my XXXX card totalled about {$20000.00}. I have enjoyed 40 years of paying the XXXX bill promptly and there has never been this kind of dispute previously with XXXX representatives refusing to ameliorate. -- It really appears that XXXX was deceitful and tried to trick me to be responsible for a charge for which I did not benefit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed late payments on my XXXX, TransUnion and XXXX credit report and provided proof that the original creditors were contacted, and the late payments remain. XXXX, TransUnion and XXXX are in clear violation of my rights as a consumer. I sent over a letter received from XXXX on XX/XX/2021 advising that all late payments should be removed and as of today XX/XX/2021, they remain. I sent over a letter sent to me from XXXX / XXXX stating to discharge and remove any late payments and as of today XX/XX/2021, they remain. The below listed accounts have not been resolved and late payments still remain : Account Name : XXXX Late Payments : XX/XX/2021 and XX/XX/2021 Account Name : EXXXX Late Payment : XX/XX/2021 Account Name XXXX XXXX XXXX Account Number : XXXX Late Payment : XX/XX/2021 Account Name : XXXX XXXX Account Number : XXXX Late Payment : XX/XX/2021 2021
Product: Debt collection

I have recieved numerious call back to back. I recievd serveral calls with in an hour time frame.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX which ive Never heard of before, have reported my credit score to be XXXX out of XXXX. My FICO score is as if today XXXX. I monitor my XXXX, XXXX  and XXXX Which i understand are the o my agencies allow to provide my credit score, and this XXXX score simply doesnt add up and it is affecting me. I reached out and they want me to send a copy of my social security and license which I am not doing. I am formally opening a complain and hoping this company is taken out of circulation as it is affecting peoples credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

cra violation sent po report and idtheft gov not mine state farm and XXXX taking more than 30days
Product: Credit reporting, credit repair services, or other personal consumer reports

The investigation by Experian was filled with nothing but LIES! The contact information supplied by Experian was false and do not work! since the company does not exist anymore - They have no contact number! 
So just as I originally reported, Experian falsely reported and falsely adjusted my credit score over a late payment that happened years prior. There were no new reports from the company because they are not in business, another company purchased that company.
Product: Credit reporting or other personal consumer reports

I contacted experian about a report that got my experian account frozen. I also couldnt login due to a login error and I called about 4 numbers for experian customer service. They wouldnt help me unless I paid {$1.00} just to get into account or unfreeze account as well as phone verification. Most of the resolved issues are recommended on a number that does nothing and Im tried of the run around. I didnt work yesterday and today to resolve it and with that I can not finance a vehicle until I resolve this its what the dealerships said. With I would like to take action against them for trying to charge me to fix my account.
Product: Credit card

Discover closed my credit account without an reasonable explanation. The only reason the customer service gave is " business decision '', but no further explanations. 
It is unacceptable. I used the discover credit card daily for restaurant, gas and grocery, and paid the full balance on time each month.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed some inaccurate accounts reporting. 

XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX Account XXXX XXXXXXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX Account # XXXX
Product: Credit card or prepaid card

My Experian account was hacked into. I have called Experian numerous times with no option of a live operator. Experian also does not encrypt or censor personal information. 

My personal email was changed by the hacker and for the last month I have been locked out of my Experian account with no option of freezing my account. My Experian account has been completely taken over by someone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account was charged off in XX/XX/XXXX with a balance of {$35.00}, XXXX. The same account is charged off again XX/XX/XXXX and XXXX, XXXX with a new balance of {$36.00}, XXXX by XXXX and XXXX respectively. I had noticed a change in my account balance by XXXX and XXXX. This prompted me to send letters to the 3 credit bureaus because my account information/ balance should be uniform across the credit bureaus if it is coming from a single source ( XXXX XXXX ). Subsequently, XXXX simply updated my balance from {$35000.00} to {$36.00}, XXXX with a new charge off date of XXXX, XXXX. This doesn't seem right because the same account should not be charged off again. Also, it doesn't make sense that 3 credit bureaus are reporting different information from a account that is coming from a single source. 

XXXXXXXX XXXX is aware of this as I also requested for a full validation of my account, including the original signed contract with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing inaccuracies on my Experian report and XXXX. Regarding XXXX financial. when finding all the errors regarding the account. my dispute results say updated. I have been trying for almost XXXX years now for them to fic theses errors. i wrote them a letter regarding factual inaccuracies and inconsistencies and how they must be removed and I keep getting a letter back in a wee or so stating account was updated. This is not correct. I dont know what else to do and was told to contact you and issue a complaint. on my XXXX reports, this same account is reporting different open dates, repo dates, balances, etc. I have my disputes to prove this. This has caused issues with employment and getting credit. They must remove inaccurate reporting per the law and i have been trying to get this fixed for sometime now but they seem to do what they want. its not fair they are breaking the law.
Product: Credit reporting, credit repair services, 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. 

XXXX Account No. XXXX, has violated my rights. 
XXXX Account No. XXXX, has violated my rights. 
XXXX XXXX Account No. XXXX, has violated my rights. 


1

5 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: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX {$820.00}, XXXX XXXX XXXX XXXX XXXX {$150.00}, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX {$210.00} 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: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and delete company information from Equifax. Please delete the following accounts. XXXX XXXX XXXX bal. {$310000.00}, XXXX XXXX XXXX {$4600.00} and XXXX XXXX bal {$7100.00}.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I receive an email from CHASE thanking me for applying for a Chase Freedom Unlimited credit card. I also received an alert from XXXX notifying me that my credit file had been updated. I logged into my XXXX  account and noticed that JPMCB CARD SERVICES received a copy of my XXXX Credit Report. I have never applied for any Chase credit card and I did not authorize them to pull my credit. I put a freeze on my credit file with all three bureaus and asked them to submit a fraud alert. I called XXXX to dispute the hard pull on my credit and will also be calling XXXX and XXXX.
Product: Debt collection

NOTICE OF PENDING ACTION SEEKING REMEDYAND MONETARY DAMAGES PURSUANT TO FCRA SECTION 15 USC 1681N Civil Liability for Willful Noncompliance, 15 USC 1681O Civil Liability and Negligent Noncompliance, and 15 USC 1692K Civil Liability. 

Accept this last written OFFER OF SETTLEMENT BEFORE LITIGATION as my last ditch effort to reach a settlement to end your ongoing violation of the Fair Credit Reporting Act about your failure to remove information from my consumer file. 

If the items specified in my letters are not immediately removed, I intend to file a lawsuit under the FCRA to demand relief and reclaim any financial damages I may be due. 

If you choose not to accept this offer of settlement, a formal complaint will be filed with the Federal Trade Commission, and copies of this letter, as well as copies of the three written letters we previously gave you, will be included. This documentation will also be used as evidence in any future legal proceedings. 

The items shown on my credit report continue to be there despite three formal requests, which is against the law. The FCRA requires that you keep a copy of the original creditors ' records on hand as proof that the information is my and accurate. You wrote in the findings of your inquiries that you " verified '' these items are being " reported correctly ''? Who checked these reports? You have not given me a copy of ANY original paperwork, including a consumer contract that bears my signature, as required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ).

In accordance with Section 611 ( a ) ( 7 ), you have also neglected to give the method of verification. Please be aware that you are required to " ... promptly DELETE all information which can not be verified '' in accordance with Section 611 ( 5 ) ( A ) of the FCRA. 

In the event that you break federal law, the law is extremely explicit about my civil obligation and my options for redress. 

According to 15 U.S.C. 1681b ( a ) ( 2 ), your business is in violation of the following : According to the following conditions and none more, " any consumer reporting agency may furnish a consumer report : In accordance with the written instructions of the consumer to whom it relates. '' I have never given written permission for any consumer reporting agency, including your business, to provide my consumer report. I am the consumer and a natural person. 

In accordance with 15 USC 1681 ( a ) ( 4 ), a consumer reporting agency is also required to carry out its serious obligations in a way that respects the consumer 's right to privacy and is fair and unbiased.

You have breached my right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ) by providing the accounts identified in Exhibit A on my consumer report without my written consent.

Additionally, your business violated 15 USC 1692j ( a ) by producing a false form that led creditors and employers to believe I was in debt, despite the fact that you are unable to substantiate this claim. If the debts were real, you gave the misleading impression that I couldn't afford to pay them.
Product: Credit reporting or other personal consumer reports

I discovered charge offs on my consumer report. According to the I.R.S. Publication and laws charge offs are considered a certificate of indebtedness which is considered income and income can not be reported on my consumer report pursuant to 26 U.S. Code 61 / 26 C.F.R. 1.643/ 20 C.F.R 211.2. Please remove these accounts these inaccuracies are adversely affecting my credit score and reputation. I will be contacting appropriate agencies such as the Security Exchange Commission pertaining to security fraud. 

These addresses are not associated to me and non mailable residences. 

XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Please remove these addresses.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX and XXXX XXXX XXXX.
Product: Bank account or service

I initially opened my bank account XX/XX/XXXXfor my VA XXXX check as the government wanted to do away with a paper check. My account did not have any service fees attached to it as long as I used no checked and never went into the bank and only used the debit card and the ATM. Wachovia bought this bank out around XX/XX/XXXX or XX/XX/XXXX and the account stayed the same. When Wells Fargo bought them out during the subprime crisis they started charging me a monthly fee for my account. I talked to numerous people and fees were waved for a time but then returned. When I called again to complain about the fees, they switched my account stating this would be a better account for me. I was given the impression that this would stop the fees. But instead they were increased from XXXX dollars a month to XXXX dollars a month. Again I called to complain about charging me fees on my account and was told I needed to have XXXX dollars in the account a month. My VA XXXX is not that much and there are no bank branches or ATMs in my state. I even pointed out that all of Wells Fargo competitors have free accounts for XXXX Vets and XXXX XXXX Military. I was told that they do n't. I submitted paperwork with my VA Rep in XXXX, Ohio to change my VA XXXX to a different Bank account on XXXX XXXX, XXXX. Unfortunately, due to how the VA operates, the XXXX direct deposit did n't go through till XXXX XXXX, XXXX ( not a typo ). Then I was able to close the account. So from XXXX to XXXX Wells Fargo bank has charged me a fee for an account I never signed up for, with a bank I never opened an account with due to the Mortgage Crisis and the fact that they bought out my bank ... on a check that the IRS ca n't even tax due to it being my Service Connected XXXX check from Veteran 's Affairs. No one from Wells Fargo wanted to help me and I feel it to be discrimination. First a XXXX from the VA with a pittance of a check for serving my country, then XXXX by a Bank who helped cause a XXXX.
Product: Credit card

XX/XX/XXXX Approved for Citibank XXXX XXXX. Approved for {$9400.00}. 

XX/XX/XXXX Called Citibank said I never received a card. They said they would issue a replacement. 

XX/XX/XXXX Called Citibank and said I never received the replacement card. XXXX said a second replacement card would be sent. It was never received. 

XX/XX/XXXX Called Citibank and said I never received the second replacement card that was supposedly sent. At that time the agent said my address was incorrect in their system and a third replacement card would be sent. Talked to supervisor " XXXX '' who verified the information provided by the agent. 

XX/XX/XXXX Called Citibank and said I never received the third replacement card that was supposedly sent. XXXX was of no help. Transferred to supervisor " XXXX '' who told me the third replacement card was never sent as promised by " XXXX ''. He verified that the third replacement card that I was promised on XX/XX/XXXX had never, in fact, been mailed. He said the only thing that had occurred in their system on XXXX XXXX was an address change. WHAT???? He indicated he is now sending a third replacement card and offering a statement credit of {$100.00}. I asked to have the card expedited and he said they can't expedite new account cards. While I wait to see if they actually mail a third replacement card, I have to worry about someone using my credit and Citibank has been of no help. In fact, they suggested more than 3 times that I have nothing to worry about. He suggested I use the app to follow along but I can't do that because I have no idea what my credit card number is and can not track it. 
Honestly, ridiculous.
Product: Checking or savings account

hello, good morning. i applied for XXXX XXXX one year ago after providing all documents that SBA required and i have been approved the XXXX XXXX and get fund to my bank account the XXXX XXXX. The XXXX XXXX, i went to the Capital one Bank to make the transfert of a part of this amount to my saving account to the XXXX  XXXX XXXX. The teller told me that she can not do that because i have a personal account with them and they can not do that .And i said ok i want to withdraw my money so i will put it in my saving account to another bank.She said she need to call first the upper management i said ok .after 25 minutes waiting i got the upper manager who told me that i am on ivestigation i said ok why? she did not really told me why. she said i am in still in investigation i asked how long it can take because i want to invest in my business .She said, she did not know. after a month and one week i called again capital one bank and i told with upper manager why they are still holding my sba fundind since one month i told then that i am XXXX years old. i am financially responsable for the loan i got. so i do not know why my fund it still holding. that is the raison why decided to file this claim so this situation will be resolve. the amound that the SBA loan fund me is XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX charged my account off. I have not received a 1099-C from the company as this is now written off by XXXX XXXX and income for me to file on my personal federal taxes. This cancellation of debit is also against the FCRA 604 ( a ) ( XXXX ), prohibiting personal income included on my credit report. The in accuracy of this information is causing undo harm to my finances. I have disputed this information with the company XXXX XXXX as well as the XXXX major credit bureaus. XXXX, XXXX, Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a membership family premier plan with Equifax credit Bureau, where my credit suppose to be monitored for a monthly payment of {$29.00}. The payment always been withdrawn from my bank account, I do have access to use equifax online services only to view my credit report but not to file or check a status of dispute, that shouldnt be, it shouldnt be a restriction in my account. Everytime, my personal information always been rejected by equifax online dispute center.I occasionally raised the issues to Equifax, unfortunately the issue never been resolved.