23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

THE DATE IS XX/XX/2022. THE BANK IS MONEYLION LOST TRANSACTION XXXX XXXX I CALLED TO HAVE THEM RESEARCH IF FUNDS WERE RECEIVED FROM AN EXTERNAL TRANSFER AS OTHER BANKMSHOWS TRANSFER COMPLETED THEY REFUSED TO RESEARCH, AND ALSO ENDED THE PHONE CALL. I FEEL AS IF THE MONEY HAS BEEN COMPRISED AND STOLEN FROM MY ACCOUNT BY THEIR BANK. THE REPRESENTATIVES WERE RUDE AND REFUSED TO TRANSFER TO THE MANAGEMENT WHO WERE ADVISED DID NOT HAVE THE ABILITY TO DO SO. They SAID THEY WOULD SEND EMAILS BUT NEVER RECEIVED THEM.
Product: Credit reporting, credit repair services, or other personal consumer reports

They know XXXX well I didnt give permission to put anything on my consumer report under XXXX I have 2 accounts from comenity capital XXXXXXXX XXXX XXXXXXXX that are reporting that are not attached to any open accounts and is hindering me from doing things I need to do thats a violation of my privacy I was also false and mislead by XXXX telling me the accounts where deleted I contacted the original creditors & they cant find no application under the account so how its they reporting this is ridiculous & Im making a complaint because they failed me as a consumer to do there job correctly I need these accounts deleted asap
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of { {$1000.00} } per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with  Furnisher * ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. In addition to the investigation, I am going to have to insist that you remove this illegal account from my 3 credit reports ( XXXX XXXX XXXX ) or you should expect an intent to sue in the mail, because I will have no choice but to take legal action.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX  : Account Number : XXXX Account Name XXXX XXXX : Account Number : XXXX  Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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

ACCORDING TO THE I.R.S AN UNPAID CHARGE OFF IS INCOME ACCORDING TO THE FCRA INCOME CAN NOT BE REPORTED ON A CREDIT REPORT I'M REQUESTING FOR THE SECOND TIME A 1099-C ( CANCELLATION OF DEBT ) FROM UPSTART SERVICES ACCOUNT # XXXX AFTER CHECKING MY MOST CURRENT REPORT THE UPSTAR LOAN SERVICES THE UPDATED INFORMATION STATES THAT THE ACCOUNT WAS SOLD/TRANSFERRED TO VELOCITY INVESTMENTS AS OF XXXXXXXX XXXX AND THEY ARE THE NEW SERVICER OF THE ACCOUNT. THIS ACCOUNT CAN NOT BE REPORTING AS A CHARGE OFF ON MY CREDIT REPORT THE ACCOUNT WAS SOLD/TRANSFERRED TO ANOTHER LENDER PLEASE SEND ME THE 1099-C FORM THANK YOU.
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 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 2. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( XXXX XXXX XXXX XXXXXXXX Account Number : XXXX As a consumer by law this account must be deleted immediately
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the following item ... XXXX XXXX - amount {$350.00} to be a Violation of my Rights. I do not know this company nor ever did business with them. 

HIPPA laws do not allow my doctor or health care provider to share my medical files without my consent under a HIPPA release I do not know this company or ever had business with them. This company contacted me. They did NOT provide me a HIPAA release that releases my medical information to a 3rd party, therefore by providing me with my medical information they are in VIOLATION of my HIPAA rights. I will seek every legal remedy available to me and file suit against the credit bureau responsible. for reporting violations This account is : Violation of my HIPPA Rights Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character In accordance with the Fair Credit Reporting act XXXX XXXX has also 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 This account has been removed from XXXX and XXXX due to many violations Equifax states this account was varified as accurate. I am requesting the information below and ALL the information that was provided to Equifax 1. Balance and all payment history I have supposedly submitted/not submitted, what the payment is for or delete ; 2. The name, address and phone number of each person you spoke with that varified this account or delete 3. Provide 1099c and credit insurance or delete ; 4. Provide original signed HIPPA Release and original signed contract with me and XXXX XXXX or delete ; 5. Provide payoff discllosures, interest rate disclosures or delete ; 6. Provide collections ; license number and court documents that allow XXXX XXXX to continue to pursue this debt in Florida or delete ; 7. Provide documents that states this account was purchased or are you cellecting on the original account holders behalf or delete.
Product: Credit card

On XX/XX/year> I lost my wallet after doing groceries at XXXX around XXXX, I left home without realizing it was lost, inside the wallet there were various cards including my ID along with personal items including my phone and email addresses. As soon as I I woke up the next day I saw an alert on my phone regarding two big purchases on my credit card, I blocked my card and contacted BOFA as soon I could, all three transactions were pending when I reported them and my card got deactivated, I have never used those companies in my life, I received a full refund on one of the fraudulent transactions but BOFA couldnt resolve my fraud claim on the second transaction after 3 months and I just saw they charged me fully for a transaction on a lost and reported card even before the transaction was completed. Right after I blocked and reported those transactions and I received a new card I had another incident of fraudulent transactions on the new card that were solved successfully, I have no idea this single transaction was not
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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.

Also, they aren't even in compliance with Metro 2 credit reporting.

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX - XXXX {$2100.00} XXXX XXXX XXXX - XXXX {$400.00} XXXX XXXX  - XXXX {$2400.00} XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 U.S.C 1681.

THE ACCOUNTS BELOW HAVE VIOLATED MY RIGHTS.

15U.S.C 1681 SECTION 602A STATES IHAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604A 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 FALLOWING ITEMS OF INFORMANTION 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. 

DELETE THE ACCOUNTS BELOW :
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding inaccurate accounts on my credit report that was still reported in despite of my previous request and kindly request your assistance in getting them to correct or remove. The inaccurate information is negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving the matter with the credit reporting agency directly. I never been late in paying and with this, I have attached my supporting documents for your reference, including correspondence with the credit reporting agency. This account should be corrected : XXXX XXXX XXXX XXXX : {$1200.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX XXXX XXXX XXXX : {$1300.00} - The number of late payments is incorrect. I never missed a payment. Please adjust immediately. 

XXXX XXXX XXXX XXXX : {$1200.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX XXXX XXXX XXXX Balance : {$0.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. 

XXXX XXXX XXXX XXXX : {$16000.00} - The limit to this account was a fraction of the amount due as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 

XXXX XXXX XXXX : {$7900.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CONTACTED EXPERIAN ON 3 DIFFERENT occasions infoming them that I am a victim of identity theft. yet they are still continuing to state that the following accounts have been verified. Yet Im not understanding how because neither company could verify with me nor show any contract bearing my signature that proves any legal obligations that I have had with either company. The following companies are a result of identity theft XXXX in the amount of {$980.00}, XXXX XXXX XXXX is the amount of {$1300.00}, XXXX XXXX XXXX in the amount of {$1800.00}. These accounts are a result of identity theft.Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information.
Product: Credit reporting or other personal consumer reports

I met a mortgage lender XX/XX/XXXX to be pre-approved for a loan to by my first home. I found out by the credit report that I have XXXX student loans. Even though I have only had XXXX student loan. I was told to reach out to Mohela. 
I do in fact have a student loan from Mohela for {$19000.00} which is seen on my credit report from XXXX XXXX XXXX XXXX XXXX However, my credit report also shows a student loan from Mohela for {$39000.00} reported XX/XX/XXXX on page XXXX. The account numbers were even doubled. The second time I called Mohela on XX/XX/XXXX, I was told that in XX/XX/XXXX Mohela had a " glitch '' that caused people to have a duplicated student loan balance. 
My mortgage broker put in a dispute with XXXX  about this situation. 
I called XXXX, XXXX, and XXXX. XXXX of the XXXX credit bureaus said they see the XXXX and they put in disputes. 
Mohela has been called XXXX times, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX in which each time I was transferred twice until I could reach the credit people. They told me that they have put in a claim and that it would take up to 30 days to be removed from my credit report and it has not. I have asked to receive a personal letter stating the {$39000.00} does not exist so I can buy a home but they did not. They said " some people '' had duplicate amounts. I will attach the letters they sent me. 
Today, XX/XX/XXXX per Mohela 's recommendation on their letter to check annualcreditreport.com it still shows the {$39000.00}
Product: Credit card

Take a look at the attached documents. I want the bureau to start an investigation into these accounts, as I am never late, but they are erroneously reporting me as late.
Product: Credit card or prepaid card

1. I did not receive rewards points for the past month. 

2. My last payment on XX/XX/XXXX has not shown up yet on my account. I have spent approximately three hours on the phone with several customer service agents with no answer. I find it impossible to get a straight answer from anyone
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in one last attempt to resolve the issues that I have been experiencing since XXXX, because of XXXX failure to follow the law. I previously contacted your office and informed you that I am a victim of identity theft, where my information has been stolen and sold multiple times, and used to obtain goods/services without my consent in different areas of the country. 

Additionally, I previously, requested via mail that you block the unauthorized inquiries from my report maintained by your office because they are a result of identity theft and I did not authorize my report to be ran by anyone, nor did I request anyone run my report. 


Fraudulent Account : 1 ) XXXX XXXX Acct : XXXX 2 ) XXXX XXXX XXXX Acct : XXXX XXXX XXXX XXXX XXXX XXXX-XXXX Acct : XXXX Fraudulent Inquires : XXXX XXXX XXXX other than personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Utilities and fuel Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX other than personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted this company by mail XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I requested VALIDATION of accounts but I keep having the response verified despite asking for Validation. A collection account with XXXX  by law I am allowed to see how this is validated. Being that the law states to be on a credit report as a debt the company must have proof of a contract with their letterhead plus my original signature to be valid. So can I ask this way to show me this proof? If not remove as the law states. 

I asked XXXX XXXX to be fixed being I was never late. All three times the information was changed, which now shows was a insurance claim? I have the merchandise in my living room, paid in full. This was never a claim, never was late and inaccurate in reporting. Please update this as never late and not a claim or remove Immediately. 

Please validate as I requested prior XXXX XXXX and XXXX bank. 

Please also provide me with information on the bankruptcy also reported being I called the courts to obtain proof to have this removed and was told that they by law can not report this information to credit agencies. So if that is the case, this is against the law being the courts did not report it. 

I also, which was ignored requested proof of how inquires were made. I called every company and they have no record of me and directed me back to you. I wrote requesting info or be removed to being IGNORED. Please answer who is XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX  on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX XXXX XXXX XXXX  on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXX on XX/XX/XXXX, and XXXX on XX/XX/XXXX. Please remove being I never authorized.
Product: Credit card

Citi bank sends personalized letters 'offering ' credit cards stating that offeree has been 'pre-selected '. However, when the letter is responded to and the offer is 'accepted ', the bank declines it citing various reasons such as credit status. Consumers are deceived using misleading language such as 'offer ' and 'pre-selected ', such that implying to consumers that the personal situation, such as the credit report, has been evaluated and an offer is made, when all that has not happened. It appears that citi bank buys the names and addresses and makes offers as if the bank has evaluated the persons ' credit worthiness. Consumers please be aware and do not be convinced that citi bank is indicating willingness to extend credit - it 's mere deception.