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

I am a FEDERALLY PROTECTED CONSUMER WITH FEDERAL PROTECTION RIGHTS. I AM TIRED OF WAITING ON EXPERIAN TO DO WHAT THEY ARE SUPPOSED TO BE DOING PER THE FEDERAL CONSUMER REPORTING ACT ( FCRA ) WHEN IT COMES TO RE-INVESTIGATION. AFTER LOOKING AT CONSUMER LAWS THE ITEMS I LISTED SHOULD BE REMOVED. BY ALLOWING THESE ITESM TO STAY ON MY CONSUMER REPORT XXXX IS DAMAGING AND RUINING MY CHANCES TO OBTAIN A MORTGAGE. THE FCRA GUARANTEES THAT I AM TO HAVE A SUITABLE, ACCURATE TO ME CONSUMER REPORT. 1.On the grounds of 15 USC 1681s2 ( B ), the information I listed should all been deleted after all the re- investigations 2.On the grounds of 15 USC 1666B TIMING OF PAYMENTS ALL LATE PAYMENTS SHOULD OF BEEN ALL REMOVED FROM EACH ACCOUNT I LISTED BELOW. 3. UNDER 15 USC 1681C-2 BLOCK OF INFORMATION these accounts I listed should of all been deleted AFTER NOT BEING PROPERLY INVESTIGATED and not reporting on my consumer report. 4.Under FTC GRAMM LEECH BLILEY ACT and 15 USC 1681B2 PERMISSABLE PURPOSE these unauthorized inquiries I listed below should all be deleted 5. This address where I DO NOT RESIDE AT should be deleted. REMOVE OLD ADDRESS XXXX XXXX XXXX XXXX XXXX AZ XXXX. REMOVE ALL LATE PAYMENTS SHOWING IN ACCOUNTS XXXX XXXX XXXX XXXX XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX ACCT XXXX XXXX, XXXX XXXX ACCT # XXXX, XXXX XXXX  ACCT # XXXX REMOVE ALL LATE PAYMENTS REPORTING, REMOVE THIS INQUIRY XXXX XXXX  XX/XX/21. BASED ON IRS REGULATIONS 26 CFR 1.6050P-I ON CHARGE OFFS THESE CHARGE OFF ACCOUNTS XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX, XXXX XXXX ACCT # XXXX, XXXX  XXXX ACCT # XXXX, XXXX  ACCT # XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX SHOULD ALL BE DELETED BASED ON THESE FURNISHERS RECIEVED TAX WRITE OFFS ON THERE ACCOUNTING BOOKS ARE CLEARED AND RECIEVED DEFAULT INSURANCE PAYMENT AND TRYING TO GET DOUBLE ENRICHMENT PAYMENT FROM ME THATS NOT FAIR TO ME THE CONSUMER. I have ASKED FOR RE-INVESTIGATION OF ALL these issues ( 3 ) times prior and have PAST CFPB DISPUTES ON RECORD WITH THERE REPLY AS PROOF and every time it all came back " verified " but NOT ONCE DID I RECIEVE THERE METHOD OF PROPER INVESTIGATION STEPS THEY TOOK IN WRITING SENT TO ME REQUIRED BY THE FCRA needed to be continuing to be reporting on my consumer report. Under the FCRA CONSUMER LAWS I LIST THESE ARE ALL GROUNDS FOR DELETIONS FROM MY CONSUMER REPORT. BECAUSE XXXX WILL NOT COMPLY TO THESE FCRA CONSUMER LAWS. I NEED THE CFPB TO STEP IN POLICE, AND ENFORCE, SUPERVISE AND HOLD EXPERIAN ACCOUNTABLE TO THE FCRA CONSUMER LAWS ESTABLISHED BY US CONGRESS. THEY ARE NOT COMPLYING TO THESE FCRA LAWS LISTED AND ARE IN VIOLATION OF 15 USC 1681i, 15 USC 1681s2 ( B ) ,15 USC 1681C -2,15 USC 1666B. AND EXPERIAN DOES NOT COMPLY WITH GRAMM-LEECH-BLILEY ACT WHEN IT COMES TO MY CONSUMER REPORT. AND AS A RESULT I AM NOT BEING FEDERALLY CONSUMER LAW PROTECTED.
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 # 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
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I received an unsolicited text from an unknown phone number, XXXX XXXX XXXX XXXX, stating that there were attempts to login to a Chase banking account. I do not and never had an account with Chase Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this account on my own for about a year and have yet to receive any results or response from Transunion. After debating on if I wanted to continue to dispute the charge off on my credit report, I decided to send another dispute then certified mail. Transunion receive my letter on XXXX XXXX. I am aware of the 30 days needed to investigate. Here we are in XX/XX/2021 and I have yet to receive any debt validation as requested on XXXX XXXX
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 debt bondage, which falls under XXXX  according to XXXX-Debt Final 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 of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion.
Product: Bank account or service

Set up account to receive payments from our customer through American Express Buyer Initiated Payments program. They set up the account incorrectly such that payments we were to have received were directed to XXXX XXXX ( we have no relationship with XXXX. ) XXXX rejected the first payment we were to receive via ACH so Amex sent us a check. They stopped payment on that check causing us to incur overdraft fees. When we called to correct the electronic banking information, the salesperson set up another, unauthorized account that had our correct banking information rather than correcting the original account. They also sent us a letter saying that Amex would no longer send checks for rejected ACH payments. However, our next payment of approximately {$1.00} XXXX was sent to XXXX XXXX as well. It rejected so on XX/XX/XXXX they issued a paper check. We still have not received the check. We are incurring interest charges every day ( {$230.00} a day ) that we do not have that check in addition to delaying vendor payments and potential payroll impacts. Upon calling to customer service, the representative and supervisor refused to send us a wire saying that American Express does not send wires ( an obvious lie. ) They also refused to refund any of the {$22000.00} fee they received for the service of " experience faster payments & eliminate check processing costs '' per their literature.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX # XXXX XXXX  XXXX XXXX  # XXXX XXXX XXXX BANK # XXXX UNAUTHORIZED INQUIRY : XXXX XXXX BANK XXXX XX/XX/2022 XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Repeated attempts to contact Professional Account Management LLC regarding this matter have failed. Including phone calls ( no answer ) and leters ( also no answer ). 

Received a notice about an unknown debt owed to XXXX Government for {$100.00} on XXXX XXXX, 2014. After verifying with the XXXX that it was valid, full payment made on XXXX/XXXX/14 ( i have written records ). Received another letter on XX/XX/2014 stating the debt was still outstanding while it was not. Attempted to call Professional Account Management with no response via phone call or letter. Professional Account Management proceeded to report this as an unpaid debt to XXXX and has not corrected that error. Multiple attempts to contact them and have this corrected have failed. Company is unreachable. Their address is listed as XXXX. Telephone XXXX.
Product: Credit reporting or other personal consumer reports

it has been over 35 days with no response from the credit agencies nor from the companies. i sent letters to all 3 of the credit agencies please look at the attached letters
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have been on the Experian web site as a member for years now. The past year or so I have been watching closer as to what the outcome is and the ups and downs of my score. 
Tonight is XXXX 2021, I applied for 3 credit cards. XXXX said the reason I was Denied was because I have a XXXX score. 
Experian told me I have a XXXX score. just now I still would not have got the card but a few weeks ago when I looked it said I had a XXXX score. 
Is this the way it is? Up and down all the time. It is XXXX XXXX. 
It should change once or twice a year. 
And why do they tell people a lower score than my incredibly low score. Can you change this to a twice a year like XX/XX/XXXX and XX/XX/XXXX each year. Give people some thing to shoot for. 
The way it is not logical. Thanks for your time. 
Please ask experian why they tell me XXXX and XXXX XXXX Unable to contact them. 
Thank You XXXX
Product: Credit reporting or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. 

Summary of Accounts being challenged in list form XXXX XXXX XXXX - Account Number:XXXX XXXX - Account Number:XXXX XXXX XXXX XXXX - Account Number:XXXX XXXX  XXXX - Account Number:XXXX XXXX XXXX - Account Number:XXXX XXXX - Account Number:XX/XX/XXXXXXXX - Account Number:XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number:XXXX
Product: Credit reporting or other personal consumer reports

The information utilized and sold by the organizations, including the Name, Address, and Credit Report, is private property of the Trust. The organizations have not obtained authorization to use nor have you provided compensation for the use of this private trust property. Consequently, all credit reports associated with the said consumer are inaccurate, as the Trust is the original creditor extending credit to all reporting financial institutions. 
Proof of possession of the certificated security, equitable title, or certificate from the Trust with rights of use of this private property is hereby demanded. 
Due to the unauthorized use and profiting from the private property of the Trust, a constructive trust is hereby established. The said organizations are appointed as a fiduciary with limited power to act on behalf of the Precedent Vested Landed Estate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Discover Credit Card.

I have been reported by Discover for Late Payment ( Missed Payment ) to the Credit Bureau which has caused my Credit Score to drop significantly. 
I was reported to have missed two payments. 

My Due Date for the First month was XX/XX/XXXX. 
I made a payment on XX/XX/XXXX towards my balance. 
My statement date for the next billing cycle was XX/XX/XXXX. 

I was expecting that this payment will go towards my next billing due date : XX/XX/XXXX. 
However, it was not. 

Discover reported my account as having missed XXXX billing cycles. One for XXXX ( XX/XX/XXXX ) and the next one for XXXX ( XX/XX/XXXX ). 

This has caused my Credit score to drop. 

I have spoken about this to them as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is fraud related accounts that is reporting on my credit file. I have sent in a FTC report to all three credit bureaus more than 30 days ago and none of them took the proper action. Yet, those incorrect fraud accounts are still reporting on my credit report. This is violating. Instead of them removing the fraudently accounts due to me being a victim of identity theft they stated those accounts are verified. This is incorrect. I need those accounts deleted immediately from my credit report.
Product: Checking or savings account

On XX/XX/XXXX I deposited a Social Security check in the amount of {$2900.00}. This is a government check and according to Reg CC Funds availability, ALL of these funds should be made available same day. 

On XX/XX/XXXX, I notice that TD Bank is holding {$2700.00} making only {$200.00} available. I called and their answer was because I made the deposit in person and not electronically, they could hold all but the {$200.00}. That's not what the Reg states.
Product: Checking or savings account

A merchant charged my chime account XXXX times without my authorization. I disputed the transactions with chime and explained to them that these charges were unauthorized. I explained to them that section XXXX of regulation E states that I have XXXX liability for unauthorized charges. I sent them a copy of their own policy that states the same thing.I also explained to them that by then denying my disputes they are by default, accusing me of fraud by saying I am lying and not approving these disputes. I have filed this dispute 6 times. Their denial says no error occurred. Which would mean that I am lying. I am am not lying and their written excuses make no sense. Like a deposit was made prior to transactions taking place. Im pretty sure any transaction with a debit card require a deposit prior at some point in order for the transaction to take place. And many more just as stupid responses.there are XXXX transactions totaling {$100.00}. The same merchant charged multiple accounts of mine at the same time with other institutions and every single transaction was disputed and approved by all of them. Except for chime. They are clearly ignoring the laws and regulations of the United States. My guess is they are still collecting the money from the FDIC insurance that covers these transactions while denying the customers. They are the ones committing fraud Account Ending In : XXXX Claim ID : XXXX Date Error Reported : XX/XX/2022 Claim Total : {$100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account - {$740.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX 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
Product: Checking or savings account

I deposit cash to my chase account and atm ate my money but not deposited. While I using the atm the ATM got error. And I complained righ away and they gave me temporary credit couple days later but they just took my whole credit back again. I called chase customer service right away but they said my case is closed. I cant believe this happen where my money goes
Product: Credit reporting or other personal consumer reports

Chase calling about XXXX to be issued in my name. Explained did not request, they have last XXXX of my ss and address. Questioned who co signed this application and name and address are not familiar to me. Need to verify if my information has been compromised
Product: Credit reporting, credit repair services, or other personal consumer reports

TWO INSURANCE ACCOUNTS " XXXX XXXX XXXX  '' AND " XXXX XXXX '' WERE OPENED IN MY NAME LAST YEAR AND HAVE SOLD DEBT TO " XXXX XXXX XXXX. '' I AM DECLARING THIS IDENTITY THEFT AND FRAUD PLEASE INVESTIGATE I HAVE ALREADY SUBMITTED POLICE REPORT. THANK YOU
Product: Debt collection

I recieved a credit monitoring alert that there was a new collection that was placed on my credit report from General Revenue Corporation. The law states that they have to notifiy me to vaidate a debt. I have Not recieved a call from this company nor have I recieved any other correspondance. They placed a {$440.00} collections debt on my report which The balance is {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was opened fraudulently as a result of ID theft. Furthermore it was previously dismissed as fraud when XXXX XXXX attempted to illegally collect on the account.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00}
Product: Debt collection

Diversified Consultants whose phone number is XXXX have reported a XXXX account on my credit report that was a prior identity theft reported account from a few years prior by XXXX XXXX. This has made my credit score fall from the 800s to 700s. Both the original collection company and XXXX were sent all the documentation showing this was an account created falsly using my social back in XXXX. XXXX XXXX also ran my credit for some reason in XXXX of XXXX. The reported account was filed on my credit by Diversified Consultants in XXXX of XXXX.
Product: Checking or savings account

Someone must have stolen my information and my chase account is in the negative and I dont know how this happened. I have reached out to them. I am a victim of fraud and identity theft. I need to file disputes cause someone got a hold of my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatly call and written XXXX telling them that I do not work for XXXX XXXX a nursing home. There is no W-2s, no Human Resources that will and can verifiy this lie. So I do not know how they keep saying verified. They keep constantly putting this information on my credit report.
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. 

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

in XXXX and XX/XX/XXXX, the following companies reported late payments on my credit reports XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX This company reported late payments on my account from XXXX - XX/XX/XXXX on my credit reports XXXX XXXX - XXXX Per 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Section F states Reporting information during COVID19 pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period.

( II ) Covered period The term covered period means the period beginning on January 31, 2020 and ending on the later of ( aa ) 120 days after March 27, 2020 ; or ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID19 ) outbreak declared by the President on March 13, 2020 under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates.

( ii ) Reporting Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current; or ( II ) if the credit obligation or account was delinquent before the accommodation ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current. 
( iii ) Exception Clause ( ii ) shall not apply with respect to a credit obligation or account of a consumer that has been charged-off. 

Therefore, these late payments should be removed from my credit report