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

After pulling my credit file on XX/XX/XXXX, I noticed that several issues with my credit file that are affecting my ability to qualify for housing, reasonable financing terms, credit cards, and it is painting a false picture of my character. On the personal information section of my credit profile, I noticed that my middle name is not on my credit profile. This is a problem for me because one, the other bureaus have my entire full name on my credit profile and two, someone with the same first name middle initial and last name could do things in my name. I also noticed that the employer listed on my credit file is not my current employer. And my full date of birth is not on file it just has the year. I also noticed that there is something odd with the address. XX/XX/XXXX should not be there. This is really interesting because now I am questioning the past investigation that were done. It is to my understanding that during an investigation you are supposed to verify the employer, my date of birth and address to conduct an accurate investigation. How could your investigation be accurate and done correctly if my credit file lacks the accurate employer, accurate date of birth and accurate address? That means that you did not have the necessary information to conduct an accurate investigation. 
Moreover, I would like the following late payments removed and all student loan accounts to be removed from my credit file because it is in violation of consumer law 15 USC 1681b ; 1 ) XXXX XXXX ( # XXXX ) XXXX XXXX 30 days late Have a goodwill adjustment from company stating to remove all late payments 2 ) XXXX XXXX XXXX XXXX ( # XXXX ) XXXX XXXX  30 days late Have a goodwill adjustment from company stating to remove all late payments 3 ) XXXX XXXXXXXX ( # XXXX ) XXXX XXXX 30 days late In violation of consumer law 15 USC 1681B Has no permissional purpose being on my credit file and is affecting my ability to qualify for housing, reasonable financing terms, credit cards, and it is painting a false picture of my character. 

4 ) XXXX XXXX XXXX ( # XXXX ) XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX30 days late XX/XX/XXXX -- 60 days late In violation of 15 USC 1681b, and 15 USC 1666b ( a ). I would also like to enact law 15 USC 1637, sub section 1. I would like a material disclosure of the fianc charge for this account. 

5 ) XXXX XXXXXXXX XXXX XXXXXXXX ( # XXXX ) XXXX XXXX 60 days late In violation of 15 USC 1681b, and 15 USC 1666b ( a ). I would also like to enact law 15 USC 1637, sub section 1. I would like a material disclosure of the fianc charge for this account. 

For the XXXX XXXX ( # XXXX ) and XXXX XXXX XXXX ( # XXXX ) accounts I have letters from the companies illustrating their permission of having all late payments removed from my account as a courtesy. The late payments on XXXX XXXXXXXX ( # XXXX ), XXXXXXXX XXXX XXXX ( # XXXX ), and XXXXXXXX XXXX XXXX XXXXXXXX ( # XXXX ) are all in violation of consumer law 15 USC 1681b and 15 USC1666B ( a ). I would also like a fianc charge for the aforesaid accounts ; 15 USC 1637.
Product: Credit card or prepaid card

In XXXX of 2019 I was visiting my sister in XXXX XXXX Mo. We went to the mall in XXXX XXXX and went to the XXXX store there in the mall. The sales associate asked me if I would like to open a XXXX account since we had a store here in the mall in XXXX, Tx. Unknown to me when I presented my drivers which is the form of verification plainly states the name of XXXX XXXX XXXX. Even the signature under the picture plainly states XXXX XXXX XXXX. When I returned home and then went to the XXXX store in the Mall of XXXX on XX/XX/2019 I was told by the sales associate I could not use the account because there was a past due balance of {$65.00}. The associate was kind enough to give me a number to call because I have not received a statement verifying the balance. The company that is the card holding company is Capital One. I called Capital One and informed them of the mistake and that the account should have been listed under XXXX XXXX and not XXXX XXXX. The supervisor with Capital One stated it should be about 10 days to receive the statement and the XXXX card. Never showed up. I have received at least three more phone calls from Capital One. My husband spoke to them all three times and told them when you provide a statement with verification of the amount owed and the XXXX card as promised then she will pay the balance. Nothing has come in the mail yet. Capital Ones number is XXXX. Last four numbers of the account are XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've filed Bankruptcy in 2017 and there was a debt, XXXX XXXX, that was included in my bankruptcy. On my credit report, it is listed as a collection with an outstanding balance which is included in my Chapter XXXX Bankruptcy. After 3 attempts to dispute the item and even provided supporting documentation for the item, Experian, XXXX  and XXXX continue to allow the item to remain on my credit report. I've demanded them to re-investigate the item and they refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

This loan was secured to complete my education, however the institution I was attending has permanently closed due to XXXX as of XXXX XXXX. When I spoke with the members of the staff at the institution and the lending company, I was lead to believe that this loan would be voided as the service and the school where not able to fulfill the obligations of the contract. I have attempted to reach out recently as I am trying to purchase my first home and this loan is still showing on my report, thus preventing me from getting approval. I have tried calling the service line for the past few months but I only get a line that plays some type of XXXX XXXX XXXX XXXX XXXXXXXX than beeps to leave a voicemail, which I have a few times.
Product: Credit card or prepaid card

Citibank double charged a dispute from me after four months of investigation for the dispute. After calling their dispute apartment for several times, they always said : '' Please call us later to track investigation. '' They are stealing money! The details are below : 1. On XX/XX/XXXX, I paid XXXX {$660.00} I paid off the balance as the monthly payment so the balance becomes zero from {$660.00}. 

2. On XX/XX/XXXX, I requested dispute against XXXX for {$660.00} because I don't receive the service from them. Citibank gave a conditional credit so my card balance becomes - {$660.00} ( citibank owes me money ). 

I didn't draw the money and patiently waited for dispute result. 

3. On XX/XX/XXXX, I found the card balance becomes {$660.00} from - {$660.00} and the dispute case is marked as resolved!! How come I suddenly owe citibank money? Even if the dispute got rejected, the balance should become zero from XXXX ( conditional credit ). 

After calling them for many times, they still asked me to wait a bit as they are investigating.. So they double charged me XXXX, made it due in XXXX weeks, and then asked me to wait for months for investigation? It doesn't make sense at all. What a sketchy department!! Give me my money back pls : )
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXXXXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXXXXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXXXXXX Bankruptcy Case Number : XXXX, XXXX XXXX Bankruptcy Case Number : XXXX, XXXX XXXXXXXX Bankruptcy Case Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madan, We reported Credit Card lost in XX/XX/XXXX so the card issuer Syncb/XXXX XXXX XXXX  issued us a new account with the new credit card number. But they failed to mail us the remaining balance on the old CC card. Thus, caused late payment fee piled up in my closed account for 3 straight months. We called Synchrony Bank many times to get the final bill, but they only said the account is closed, no further information can be provided. Finally, we filed dispute to all three credit beaus in XXXX XXXX. But SyncBank sold our debts right away to a collection agent called XXXX XXXX XXXX XXXX. We have no choice but to paid in full for my outstanding account to the collection agent in XX/XX/XXXX. However, after two months passed, the credit score from 3 credit beaus shown we still have an unpaid negative report ( from SyncB ) which keep our cerdit score low. We contacted XXXX XXXX XXXX, they told me it is Credit Beau 's problem. They have already sent out the paid off confirmation to 3 credit beaus. So I contacted credit beau again, they told me I should contact Credit Card company, because they shown the bad report was from Sync bank. When we called Sync Bank, they told us nothing they can do since the account has been sold to collection agent ( XXXX XXXX XXXX ). We are really frustrated and hope someone can help us to resolve this problem. But it looks like we paid off the debts but Synchrony Bank still not issue an account paid off notice to 3 credit beaus. So we wanted to file a complaint to Synchrony Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ( FCRA ) ; XXXX has violated my rights. On XX/XX/2021 there was an unauthorized inqui

ry. 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 an account without my written instructions 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 or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's XXXX purposes requirements.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/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: Credit reporting, credit repair services, 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 items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I am writing in reference to : complaint # XXXX this complaint contains documents related to the case. 

The credit card company has contacted me by telephone and are investigating the dispute. Stating this can take 10-15 days. They also are only available to discuss the case M-F XXXX XXXX XXXX. They do not email any resolutions so most likely I will have to spend additional time on the phone with this company and take additional time away from work to address. I would like an expedited resolution to this since they have already violated the required time frame to address the dispute. This dispute is over 90 days old. They also have incorrect information on the back of their billing statement to address disputes and an online portal that doesn't respond to the " contact us '' button. There is no way to contact this company except through customer service where I have documented over 3.5 hours of hold and discussions that have yet to address or resolve my disputes. I would like to know what violations the bank has committed with this case from the incorrect address and failure to meet a reasonable timeline on disputes. 

I just received another statement with a full balance, late fees and interest charges
Product: Credit reporting or other personal consumer reports

I have information that does not belong to me in my report and it is harming me, I want it to be removed from my history. 



XXXXXXXX XXXX XXXXXXXX XXXX
Product: Debt collection

I have asked Eagle Accounts Group to validate a collection they are reporting on my credit reports on XXXX/XXXX/15, XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Product: Credit reporting or other personal consumer reports

Department of Revenue Case Number : XXXX Under the Fair Credit Reporting Act ( FCRA ), Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act ( FCRA ). 1 These cases note that certain definitions were added to the FCRA as part of the 2003 amendments ( FACT Act ). In particular, the word credit was defined. As a result of the new definition the position that is being advocated is that a collection of an account is a permissible purpose to obtain a consumer report only when the collection is in connection with a credit transaction. 
The courts have specifically rejected prior case law and FTC guidance that a judgment creditor had permissible purpose, noting that those decisions pre-dated the FACT Act. These cases have held that a delinquent child support obligation, municipal fines arising from parking tickets, and a statutory debt resulting from the towing and impound of an illegally parked vehicle did not arise from a credit transaction. As a result, the courts found that collection of those accounts was not a valid permissible purpose to obtain a consumer report. 
If you use XXXX consumer report services in connection with the collection of an account, we advise you to promptly review the new case law with your regular attorney or compliance advisor. 
XXXX will be contacting each customer that is a third-party collector to discuss this issue. We expect to confirm with you that you are in compliance with this new interpretation. Until then, unless you advise otherwise, we are relying upon you to comply with your contract with XXXX and this new interpretation of the law. This means that you may obtain XXXX reports for collection purposes only when collecting on an obligation arising from a credit transaction, or where you have the written authorization of the consumer or a court order to obtain a consumer report. 
As an example, for collectors of delinquent child support debt, judgments, fines, or liens, you must have in hand : A court order authorizing a consumer reporting agency to provide a consumer report, A written authorization from the debtor to obtain a consumer report, or Some type of contractual agreement with the consumer that rises to the level of a credit transaction under law
Product: Credit card or prepaid card

On XX/XX/18, a transaction in the amount of {$5200.00} was charged by a company we hired to install a whole house generator. The company took the money and did not do any of the work. We disputed the charge with our credit card company who immediately refunded our money while they investigate. They asked for a statement which I provided. They denied our dispute, stating we " received the services represented by the transaction '', which is entirely false. We appealed their decision, only to be told that we did not provide proof of our claim. They are asking us to prove a negative. We have to prove that we DID NOT receive the " services represented by the transaction ''. We asked them for their proof on how they reached that decision, and we were ignored. Any help would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

I entered into a repayment plan with XXXX XXXX as part of an agreement to bring the amount due to XXXX. 

The payments were done monthly as a agreed via my XXXX Account. 

In total the agreement was 48 monthly payments. 

XXXX payments later, or XXXX months before the account was to be paid full, I received notice that my account was now in collections. 

I contacted XXXX XXXX and indicated that I was just XXXX months away from paying the account off in full, and they agreed by phone to continue accepting the payments and then to report it as such-and in good standing. 

I noticed on my credit report that it has been listed as settle for less than paid in full, last month. I contacted XXXX XXXX to inform them the account was paid in full as agreed and the representative told me she would update the account accordingly. 

I also filed a dispute with the XXXX credit bureaus regarding the incorrect reporting by XXXX XXXX. 

Now on my credit report is has been updated to a charge off. When I paid as agreed. Have proof of payments via my XXXX statements, and an email from XXXX XXXX indicating successful receipt of payments. 

It's unfortunate and disappointing how XXXX XXXX went about doing business. Even more so, to lead clients on regarding payment plans and credit reporting when done as agreed to then give the harshest report when it was repaid as agreed. 

It is not worth the effort to negotiate a full repayment with XXXX XXXX if as agreed it is identified as a charge off. It's best to not repay, let it go to collections and then offer to settle at pennies on the dollar-for the impact a full repayment plan listed as charge off can impact your credit report.
Product: Debt collection

VM was left on my friends phone by XXXX XXXX from Coastal Financial Solutions - called a reference of mine from something I supposedly did - and told them basically if they could not get in contact with me they would begin the legal process against me in court in the county I live - stated county.. left a case number to reference - XXXX - and XXXX numbers - XXXX ext XXXX and then a direct line - XXXX - this call was on the XXXX or XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting company is refusing to remove fraudulent accounts from my report, and are still furnishing them without my consent which constitutes identity theft which is being committed by the furnisher and credit reporting agency. Experian is in direct violation of federal laws and should be criminally charged for their violations. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists