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

On XX/XX/2022 consumer disputed the accuracy of the US DEPT OF EDUCATION account with EXPERIAN to update account as PAID IN FULL with a {$0.00} balance, Experian still has not updated the accuracy of consumer 's credit report regarding US Department of Education student loan accounts.
Product: Credit reporting or other personal consumer reports

TransUnion received a copy my notarized FTC identity theft affidavit and agreed to remove the specified account ( s ) listed on the report. TransUnion continues to furnish old accounts that have already been deleted. Upon receipt of the FTC report, TransUnion deleted the account, then reposted it. XXXX XXXX is a result of identity theft, to which I received no benefits. Fraud from the beginning is fraud to the end. TransUnion has provided no proof of debt, as per HJR 192, debt shall be discharged as the Federal government is bankrupt. There is no money, so there is no debt. TransUnion is aware of the account resulting in identity theft, is still in violation of 31 USC 3729. They are violating my privacy and causing me injury by reporting an alleged debt that is the result of identity theft fraud.
Product: Debt collection

I am disputing account number XXXX with IC Systems because I have sent several dispute letters to the credit bureaus and it comes back verified every single time. I have contacted IC Systems to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act. The account is also being reported as having a credit limit when according to the Credit Reporting Resource Guide & Metro 2 standards, credit limits only pertain to charge cards or revolving credit. Not collection accounts.
Product: Debt collection

Its wrong. It says closed and payed. They keep calling me harassing me twenty times a day threatening legal action. I dont owe this
Product: Credit reporting, credit repair services, or other personal consumer reports

13 inquries were filed on my credit report dates filed : XXXX & XXXX. These lenders has tremendously impacted my credit scores I have XXXX collections as well XXXX XXXX XXXX In accordance with the Fair Credit Reporting act 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: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX  Account Name XXXX XXXX XXXX and Account number 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: Credit reporting or other personal consumer reports

THE LIST OF ACCOUNTS BELOW HAS 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 
I LOOKED AT MY EQUIFAX CREDIT REPORT ON XX/XX/year> AND NOTICED SOME THINGS ARE INCOMPLETE AND NOT ACCURATE. AND ACCORDING TO THE FAIR CREDIT REPORTING ACT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES ACCORDING TO 15 USC 1681 ( E ) ( B ).

AND ACCORDING TO 15 USC 1681S THEY ARE SUPPOSE TO DO THIS ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION.

( A ) IN GENERAL. IF, AFTER ANY REINVESTIGATION UNDER PARAGRAPH ( 1 ) OF ANY INFORMATION DISPUTED BY A CONSUMER, AN ITEM OF THE INFORMATION IS FOUND TO BE INACCURATE OR INCOMPLETE OR CAN NOT BE VERIFIED, THE CONSUMER REPORTING AGENCY SHALL ( I ) PROMPTLY DELETE THAT ITEM OF INFORMATION FROM THE FILE OF THE CONSUMER, OR MODIFY THAT ITEM OF INFORMATION, AS APPROPRIATE, BASED ON THE RESULTS OF THE REINVESTIGATION ; AND ( II ) PROMPTLY NOTIFY THE FURNISHER OF THAT INFORMATION THAT THE ITEM HAS BEEN MODIFIED OR DELETED FROM THE FILE OF THE CONSUMER.

AND ACCORDING TO 15 USC 1681C-2 THEY ARE SUPPOSE TO 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: Debt collection

First, this is a medical bill. Secondly, the amount I was told I would owe was SIGNIFICANTLY lower than this collections account of {$15000.00}. I was told by hospital my bill would be 10 % of total. Initially insurance paid but then requested refund. Hospital then billed me for this balance. When I contacted them they refused to investigate further and said I needed to contact insurance company even though hospital is the one who initially agreed to only charge me the 10 %. This medical procedure was done XX/XX/2018.
Product: Vehicle loan or lease

Explained in advance iam a victim of identity theft and provided proof of identity theft and everything that revolves around the identity theft. They said they would work with me. Price of vehicle {$10000.00} on XX/XX/XXXX  I gave {$5300.00} cash for down payment. On XX/XX/XXXX  I signed a loan agreement for remaining balance. Dealer rushed through the signing of the contract. When I asked why I'm financing {$10000.00} they strong armed me for even asking and said because tax and licensing fees. Dealer had me so confused and feeling violated in all my rights as a consumer, discrimination against me for being a vicitim of identity theft crossed my mind. On XX/XX/XXXX   two men pounded on my door and demanded my keys to my vehicle, they threatened me said i gave a fraudulent paystubs they were so agressive i feared for my life so I gave them my keys and they toke my vehicle. I immediately tried to contact XXXX the dealer with no luck and no response back. I am a employee XXXX XXXX XXXX arts and I am also the owner. I am a law abiding citizen active in my community. Defamation of my character, discriminating against me, they are violating me and the contract I signed doe not seem legal. Can you please help me get my {$5300.00} cash down payment back. Thank you
Product: Debt collection

This isnt my debt my identity was stolen and Ive been trying to get this removed from my XXXX report and they will not remove it, they dont have proof and they wont remove it.
Product: Debt collection

On the daily Im getting collection calls for debt I did not accrue. For the past 16 years Ive been dealing with identity theft since my purse was stolen with my social security card and drivers license with all my credit cards. The credit cards at least got cancelled but my social has been used by others since. Most recently even for work in a different state that I dont live in. I even had my bank account levied to pay that state tax that they didnt pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately : XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX
Product: Debt collection

Upon reviewing my credit report I've noticed many inconsistencies that are affecting my score as well as impairing my ability of employment and other financial endeavors 1. miscellaneous addresses 2. collection agency 3. inaccurate information across all 3 credit bureaus XXXX XXXX XXXX XX/XX/year> {$770.00} I never consented for any of my personal debt to be sold or communicated to the credit bureaus I am actively seeking the purchase agreement to verify they own the debt
Product: Debt collection

I was alerted by a credit reporting agency that a collections account was placed on my credit report. Confused I reached out to the collections agency and after attempting to collect information several times and being hung up on and told to call the police without getting even an account number or explanation as to why I have never received any correspondence in attempt to collect so called debt I gave up. I was able to get some info online but I have no knowledge of this debt nor would i have any medical or other debt due to my type of insurance that covers every medical procedure I have not been to a dr since I gave birth XXXX  years ago so this can not be mine. I need the wrongful negative mark taken off my credit report as i am in the process of financing a large purchase and this fraud is hindering my ability to do so at the terms I want. As I researched I noticed I am not the only person that is being harassed by this company and I wonder how they are allowed to continue the fraud business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with XXXX, XXXX and Transunion in reference to an account on my credit report that has inaccurate information. All three credit bureaus has stated that the information is accurate. 

The account in reference is : XXXX XXXX XXXX XXXX account # XXXX ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general - If after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the reinvestigation ; and
Product: Checking or savings account

Chase Bank provides a mechanism to request account closure via their XXXX XXXX online feature. 

Using this mechanism I requested and received account closures for joint checking account XXXX ( which XXXX had earlier restricted and made unusable on XX/XX/XXXX for no reason whatsoever ), as well as for my Savings account XXXX. 

Likewise, on XX/XX/XXXX at XXXX XXXX, I requested closure of my last remaining and no-longer-used checking account XXXX. I made clear to Chase Bank within my online request to close this unused account with a XXXX balance, that I was ceasing my business relationship with Chase Bank due to an egregiously unsatisfactory level of customer service. 

Chase Bank has categorically refused to close this account per my request on XX/XX/XXXX, as well as categorically refusing to close this account after my subsequent requests in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Chase Bank has oddly stated, after each of my individual request to close the account, that the account was pending closure- without actually closing the account. 

Upon information and belief, Chase Bank hopes to retain my banking business against my will by refusing to close this account, with hopes that I will use the account again at some point. 

I request assistance of the XXXX to coerce Chase Bank to close my checking account, Its worth mentioning that this is the XXXX complaint that I have had to make against Chase Bank in the month of XX/XX/XXXX. While each of these XXXX complaints have addressed different issues, they both address the common issue of adamant defiance by Chase Bank to provide the smallest amount of satisfactory service.
Product: Credit reporting, credit repair services, or other personal consumer reports

This balance was disputed, as the amount is not correct. Since the balance is not correct, I refused to pay it and requested verification of how the debt was calculated in 2015, but he creditor failed to provide me with verification of the debt, as required by Federal law. Because the debt was not validated, I again refused to pay, until it was validated. The creditor then began to report it to the credit bureaus, but I never received what they provided to the credit bureaus. I disputed it with one of the credit bureaus directly in 2015, but nothing changed, and I did not receive the information provided to the credit bureaus.
Product: Credit reporting or other personal consumer reports

I currently possess a timeshare that is unfortunately reflecting as a repossession on my credit report. In an attempt to rectify the situation, I reached out to a representative from the timeshare company. They informed me that they are unable to accept any payments towards the timeshare account, which carries a substantial balance of nearly {$XXXX}. This includes around {$XXXX} that is currently past due. 
To complicate matters further, the representative claimed that the account had been canceled, suggesting that it is as if it never existed at all. Consequently, they stated that I do not owe any money.

It was disheartening to learn that there seems to be no one available for me to speak with regarding this issue. I am unable to determine the total amount owed or make payments in an effort to bring the account current. Additionally, there appears to be no avenue for discussing the removal of this negative item from my credit report. They also mentioned that since I supposedly do not owe any money, they are unwilling to provide any form of written confirmation regarding my account status. 
At this juncture, I find myself uncertain about how to proceed or resolve this perplexing situation.
Product: Debt collection

AFNI at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX has been sending me collections notices in the amount of {$670.00}. The collection has been reported as pasted due balance. I don't know this company. Have never done business with this company. This company does not have a contract with my signature.
Product: Money transfers

I requested international wire transfer at Bank of America on XX/XX/2016 to family member for medical assistant. I gave all the needed details and provided my EDL Enhanced Driver License ( which implies I am US citizen ). was charged {$45.00} transfer fee + {$7.00} other fees. The remittance transfer receipt indicated that the funds will be available on XX/XX/2016 or sooner. Funds were not available after 2 weeks of the wire transfer which triggered me to go to the bank and met again with same Bank of America representative. She said they need more information. she asked if am US citizen and she need the passport number. I told her that I am and she took the EDL information again. she said the money should be release soon and she would let me know once the money is sent. a almost a week later, I was not contacted and the destination bank indicated still have the information but funds are not available and still held in the source. today is three weeks after the wire transfer and do not know where the funds are.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent a previous complaint about the FCRA violation from a creditor as well as all 3 credit bureaus. I requested a copy of a signed contract along with the statue of limitations and charges that said creditor is saying that I owe. It's been 8 months and the only thing they've sent was a weird statement showing interest charges from a card that I've never had. This also violates my rights, because it was removed about a year ago and has since been Reinserted and I was never made aware of this from XXXX XXXX which is another violation. This debt has never been verified thus the credit bureaus have allowed it to come back on to my profile showing verified. How can they be allowed to do with a bogus statement. This is not only hurtful especially because I do not owe this debt at all. My son is in his last year of school at XXXX College in XXXX and this is preventing me from paying his balance with a Parent Plus Loan so that he can graduate on XX/XX/2020. This debt is not mine please force them to remove this immediately. 

My previous Complaint ID # XXXX Warmest Regards, XXXX XXXX
Product: Debt collection

My  Dr. Office   XXXX   XXXX   XXXX , sent a bill in  XXXX  to my old address. I never received the bill.  Credit Collections USA  then tried collecting this debt from me. I immediately contacted my  Dr. Office and  paid my bill. My  Dr. Office  said they would contact  Credit Collections USA to have them remove the deb t from my credit bureaus.  Credit Collections USA is n ow refusing to remove it because they are saying I did not pay them directly. I have attached proof that   XXXX   as forced them off my credit report but now they are reporting to  XXXX . This debt has a {$0.00} balance and is no longer mine. I have also attached the receipt/letter from my  Dr. Office proving my debt is  paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I know you are working hard and thank you for helping me. 

I am submitting this complaint from my personal computer. I have reviewed my credit report and notice that the inquiries that are fraudulent are on my account. My name is XXXX XXXX and I am a victim of identity theft. The inquiries are not accurate, unauthorized and do not belong to me. The information isnt correct. I asked for method of verification from the bureaus and was ignored. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. My Id, social security card and pdf of the accounts are enclosed as well. The inquiries Need to be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX}
Product: Credit reporting

a public records judgment was prematurely placed on my file and equifax continues to verify it even though the court has removed it from my records and my name. it needs to be removed because it was an accidentally placed and is no longer valid. i keep asking them to verify it and show me proof and they refuse to provide any proof of any investigation. this is illegal. i do n't know how they are verifying this and reporting it. they provide me general information on the courthouse which is irrelevant to any of the departments that handle my case. the court house has NO proof nor have they been contacted by the bureau for any verification.
Product: Credit card or prepaid card

Adverse action against a consumer is Against the Law according to the equal credit opportunity act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k.

Discover criminal liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by Discover due to the response I received. 

Discover is in violation of 15 U.S Code 1642. U.S.C 1681m and 12 CFR 1002 because I the consumer made an application in good faith, but credit was not issued.

Furthermore, because my social security number ( Credit Card ) was used, I received NO benefits. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Discover.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a claim with the FTC for the equifax data breach under the pretense that by waiving my rights to pursue additional legal recourse against equifax I would be paid {$120.00}. I filed this claim on XX/XX/2019. I discovered today via the FTC website that they would not be honoring this agreement and the payment would likely be much less. ( XXXX XXXX XXXX/ XXXX XXXX claims as of today = {$7.00} per person ). This does not even account for those who have had their identities stolen and were ( before today ) entitled to up to {$20000.00}. 

The FTC is encouraging people switch to the credit monitoring option but I do not trust equifax to monitor my credit after they have exposed my financial information and social security number. I don't know anyone who would agree to have the company who was so knowingly and extremely negligent do this. 

Please note I attempted to submit a complaint on the FTC website but was directed to this website instead
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XXXX and XXXX of 2021 ; I took action via a credit reporting service to have older and inaccurate information on ALL my credit reports be removed. ALthough some information has been removed, unfortunately not all the information was removed and therefore is causing a halt and sometimes negative affect on my reporting. To maintain accuracy and truth to my reports, I'm taking action myself to ask for items to be removed from my account based on the laws listed below : According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting

Disputed a judgement on my report several times and within a couple of days I would receive a response from Equifax stating the investigation was complete and information verified however I never received any verification or proof that information was verified. Before knowing that I could file a complaint with FCRA, I filed a complaint with XXXX and received a response from Equifax stating that after investigation the Judgement was deleted from my report however it is still reporting on my report. I have attached a copy of the response that I received in regards to this issue.