23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing with a heavy heart to dispute the inaccurate information being reported on my credit report. The following items are wrong and are deeply affecting my credit score, making an already difficult situation even worse : Account Name : XXXX XXXX - XXXX XXXX  Account Number : XXXX Balance : {$6800.00} Reason : This account is wrongly being marked as charged off with an outstanding balance. I kindly ask that you provide proof of the charge off and update the balance to {$0.00}, or remove the negative payment status altogether. I am deeply disappointed by the outcome of your investigation. Please send me the proof of your findings, along with evidence of the negative payment status, or else remove this damaging information from my account. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Creditor Type : Inaccurate These items are either reported incorrectly or have already been resolved, so I ask for a thorough investigation and correction. I've reached out to the credit reporting agency and the data furnisher, but the issue persists. Ive attached supporting documents and screenshots of my credit report to illustrate the inaccuracies and support my claim. Please address this matter promptly and update my credit report to reflect accurate information.
Product: Credit reporting, credit repair services, 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. Experian is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item 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 item and update it immediately in my report : XXXX XXXX XXXX. Also I am disputing these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX  am not late on these accounts I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached.
Product: Credit reporting or other personal consumer reports

Under The New Rule REGULATION F Which Took Effect XX/XX/2021 *15 USC 1681a 2 -Exclusions ( a ) ( i ) is a subsection of the Fair Credit Reporting Act that clearly states Any report containing information solely as to transactions and experiences between the consumer and the person making the report.

*15 USC 6802 is a section of the United States Code that outlines the obligations of financial institutions with respect to the disclosure of personal information. 15 USC 6802 outlines the " Opt Out '' requirements for financial institutions when disclosing nonpublic personal information to nonaffiliated third parties.

Financial institutions are required to clearly and conspicuously disclose to the consumer, in writing or in electronic form, that their personal information may be disclosed to third parties. The consumer must be given the opportunity to direct that their information not be disclosed and must be provided with an explanation of how they can exercise that option.

*15 usc 1681b ( a ) ( 2 ) is a section of the United States Code that outlines the permissible purposes for which a consumer reporting agency may furnish a consumer report. In general, a consumer reporting agency may furnish a consumer report only under the following circumstances and no other : 1 ) The consumer must give written authorization, and I did not and will not give any creditor the right to add negative, inaccurate and injurious information to my consumer report.
Product: Credit card or prepaid card

I, XXXX XXXX, the petitioner and requester Under the FOIA and request my financial disclosure file, uner the privacy Act to petition to release my financial transaction statement with the Credit Card at XXXX XXXX XXXX in XXXX DE to provide my own disclosure transaction file record with the Credit Card at XXXX XXXX XXXX and the rights to petition to release the secret record file with XX/XX/XXXXfile number ( XXXX ) Dated XX/XX/XXXX.that I filed online with American Express Bank to transfer the money in to my XXXX XXXX XXXX here on XXXX but not credit until today. The letter, I sent to the XXXX XXXX XXXX in XXXX DE for reconsideration including my credit score from XX/XX/XXXX, and contact Attorney XXXX XXXX with his phone number, regarding the transferring the financial transaction record I expect to credit it in to my account at XXXX XXXX XXXX and transfer the financial transaction statement or my transaction disclosure financial statement file with the American Express in XXXX XXXX XXXX UT. 
The file number XXXX from XXXX not showing the address, and phone number for XXXX XXXX XXXX only the date requested XX/XX/XXXX. same as American Express Bank in XXXX XXXX XXXX UT. only showing the date requested XX/XX/XXXX. The report from XXXX about American Express XXXX in XXXX, TX Dated same as the date XX/XX/XXXX with American Express in XXXX XXXX XXXX UT. When I called the American Express in XXXX the American Express did n't have any record for me. This inquiry impact my credit score according to the report file with XXXX. These report on the 3 credit Bereu XXXX, XXXX, XXXX, and including the American Express, were incorrect report. Finally, I discovered, these companies are doctrine illegal method to covered up the truth of our credit score file and doctrine illegal method to impact our credit score and delayed the processing of my credit card issue with American Express Bank in XXXX XXXX XXXX UT. and I just received letter from XXXX for Fraud Alert which I did not request and will expire on XX/XX/XXXX and all these companies sent me research from and they made inaccurate report so I can request the research form to delayed the issue of my credit card with American Express. The time, I report with CFPB when the XXXX  employee called us and I gave her everything my wife 's personal information over the phone. I also request the CFPB to inform the American Express in XXXX XXXX XXXX. I sent the important disclosure file code number wrongly on my file address from Vice President XXXX from American Express to either one of the 3 major credit bereu above last Friday supposed to send back to American Express, and the expire Date will be XX/XX/XXXX.
Product: Student loan

Georgia Student Finance has been very unpleasant to work with. I have contacted them MULTIPLE times to work out a payment plan up until the point now where when I call now no one is able to answer the phone and my call drops. The times when I would call and speak to someone the representatives were extremely rude, not cooperative and failed to even take the payment I could afford to pay them. They proceed to tell me they do not accept payment arrangements or skip payments and now every single month, my credit shows up as being 120 days past due. It has been almost 2 years that my credit continues to get impacted as 120 days past due and it is not being charged off or forward to a collections team to be able to work out a payment arrangement. Because of this, I am not able to open a mortgage, purchase a car, or start my business because I am seen as a risk to most lenders. There needs to be a stop to this unfair treatment and an internal & external investigation of their operational process needs to be reviewed as soon as possible because I am sure I am not the only customer that is going through this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXXXXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$15000.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$2800.00} ), XXXX XXXXXXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$8900.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$4400.00} ), XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance : {$1000.00} ), XXXX - XXXXXXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$9100.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXXXXXX XXXX XXXXXXXX XXXX XXXX Opened :, Balance : {$0.00} ), XXXX - XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Checking or savings account

I applied to several XXXX postings at XXXX and one of them was from XXXX XXXX XXXX. The first email I received was XXXX XXXX 2017 from an email XXXX saying that it was tough to decide on the select group chosen for an interview because they received so many good resumes and that I was one of those selected for an interview. <P/>I was asked to add XXXX XXXX ( XXXX ) on the XXXX XXXX platform to undergo the interview process. According to them, she was an HR recruiter for XXXX. This XXXX person gave me all the duties and responsibilities of the position and asked me if I could handle the job duties if I were being trained towards it, I responded by saying yes, then she proceeded with interview questions. Once we finished, she said to check back by XXXX the following day via the XXXX XXXX platform for the decision. The next day they said I was chosen. <P/>I received another email from XXXX congratulating me for becoming part of their company and they attached an offer letter. <P/>Then they emailed me a check {$3000.00}. on XX/XX/2017 with instructions on how to deposit it via mobile through my bank Bank of America, and that I was expected to cash {$2800.00} of it and deposit to a XXXX XXXX account the following day to a person named XXXX XXXX XXXX who is the vendor in charge of sending me the training materials for pre-training. I believed it and so I did, I also thought that since Bank of America made the funds available the next day, then it was a legitimate check. On XX/XX/2017 they emailed me another check for {$4000.00}. and from there I had withdraw and deposit {$3900.00}. for more materials. <P/>OnXX/XX/XXXX. I went to what I thought was my first day of my internship at XXXX and the security guard could not find my name in their system. I was told that I was actually scammed and that they were very sorry this happened to me, and that someone also got scammed that same morning. <P/>I went straight to the police station and made a police report, I also contacted Bank of America but they are not cooperating with me regarding my situation. Instead they withdrew my checking and savings accounts to pay themselves back from the fraudulent checks. Now I have negative status on my account of - {$6200.00}. Additionally, Bank of America flagged my account to be closed XX/XX/XXXX which is not the standard time to close an account.
Product: Credit reporting or other personal consumer reports

Beginning on XX/XX/XXXX, Equifax began reporting the " Date Major Delinquency 1st Reported '' as XX/XX/XXXX. This is for a charged off credit card with a Date of First Delinquency of XX/XX/XXXX. This has caused my Equifax XXXX XXXX score to decline XXXX points. MyXXXX is states this is due to a " 30 Day Late Payment '' in the last 30 days. This is incorrect. This account was paid off in XXXX. I have disputed this information twice. The original creditor, XXXX, verified the information as accurate. That is correct, what XXXX is reporting is accurate. It is Equifax that is reporting incorrectly, negatively impacting my score. In addition to the disputes, on XX/XX/XXXX I called Equifax and asked to speak to a supervisor about this issue. The customer service representative told me their supervisor was busy, but they would submit an internal complaint for me. Unfortunately, they did not send any verification for this and nothing has changed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm currently having an issue with Transunion, XXXX and XXXX reporting accounts on my credit that I did not consent to be reported. According Federal Credit Reporting Act Rule 604-permissible purpose of consumer reports. '' the consumer shall have consented, orally, in writing, or electronically. I did not consent or agree with the companies listed below to report any of my information to the credit bureaus. 
-Members XXXX XXXX XXXX acct no. XXXX -Members XXXX XXXX XXXX acct no. XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX ACCT NO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ACCT XXXX These companies listed above are violating my rights as a consumer.
Product: Money transfer, virtual currency, or money service

Since the beginning of XX/XX/year> my account was closed and I was not given any specific reason for the closure they cite XXXX  but after repeated attempts to specifically get an answer they refuse to specifically tell me which terms were violated. There is nothing within my scope of my account that would warrant any action of this magnitude this is an individual 's account that had five plus years of the same exact types of transactions 95 % of the time not being over a $ XXXX transactions and 99 % of the time never being over {$100.00}. The ethics of this company are very much in doubt and I can not see how company like this could possibly be allowed to handle finances or people 's monies
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not receive a reasonable investigation regarding accounts which are listed within my credit report in error. The credit reporting bureau referenced continues to verify and validate the following accounts as accurate when they are not valid and do not belong to me. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX 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: Debt collection

Someone called me from XXXX XXXX ( on behalf of Huntington Debt Holdings ) about a debt that XXXX sent on a purchase that i had been reaching out to the merchant for a year about taking the product back. They allowed me 3 months for a return ( which they extended to 6 months later after i asked to return it ). I contacted them right after i received the product as there was XXXX XXXX on the mattress, the mattress was causing XXXX, and it looked used i had purchased this product using XXXX. I sent pictures to the merchant right after opening it, and they told me no one would pick it up due to covid and extended my return window. I called every month and continued emailing asking them to come get this mattress. They kept extending my return window and offering credits. I told them i dont want credits i want to return it. I informed XXXX  of this and told them ive been asking the merchant to come get it as per being allowed to return it. They never came to get it. 

a man from XXXX XXXX  called me, yelled at me, didnt let me speak, used intimidation tactics ( violating my FDCPA rights ) and then told me VERBATIM " we dont care what your reasoning is '' and that " Huntington Holdings '' does not care about my proof when i asked where i can forward my repeated correspondence. He then intimiated me by saying they will put negative remarks on my credit report if I refuse to pay it, despite me asking to provide the correspondence proof to Prove I had a return request in. Then he said " SO I HAVE TO LISTEN TO YOU THE WHOLE TIME ABOUT THIS? '' and hung up on me when i was providing dates, times and factual information that i can easily provide and asked him to stop talking over me, especially since he just threatened my credit and told me he doesnt care what my proof or reasoning is because lull cant help anymore ( which is false as this goes entirely back to them ). He also tried to say the debt was valdified because I made a few payments ( they collect multiple times a month at XXXX  ) before asking to return it. I told him this doesnt validify debt and he got really irritated that I was aware of my rights. 

He also accused me of having received paperwork that i NEVER received. In fact, before today, i had NEVER heard of this company
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit reporting agencies ( Transunion, XXXX, and XXXX ) have not been abiding by the FCRA. I would assume that since they are not a government agency and their services are not required by law, they would be more careful to not make such enormous mistakes. For one, they have been sharing my identification information to a number of corporations without my consent. No consent is identity theft which is a crime pursuant to 18 USC 1028A ( a ) ( 1 ). As well as 15 USC 1681q. It is also considered to be fraud. Pursuant to 15 USC 1681c ( a ) ( 4 ), a consumer report is not supposed to contain accounts placed for collection or any adverse item or information. Everything they have on the consumer reports are not verified information and were not disclosed to me before reporting this fraudulent information to my credit report causing harm to my reputation. They have no right to furnish any consumer report without my written instructions pursuant to 15 USC1681b ( a ) ( 2 ).
Product: Credit reporting or other personal consumer reports

MY NAME IS XXXX XXXX XXXX AND IM SUBMITTING THIS COMPLAINT BY MYSELF. THERE IS NO UNAUTHORIZED THIRD PARTY IN CONNECTION WITH THIS COMPLAINT. 

There are some Unauthorized/Fraudulent inquiries being furnished to my consumer report without my permissible purpose, which is a violation of the Fair Credit Reporting Act. No written instruction has been given to Experian to report these inquiries to my credit file. I have filed an Identity Theft Affidavit with the Federal Trade Commission & attached it to this complaint along with my Drivers License, Proof of my Current Address, & my Cover Letter listing each Fraudulent Inquiry. DO NOT ADD A FRAUD ALERT TO MY CONSUMER REPORT!
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an unauthorized credit inquiry on my report. I let them ( XXXX, XXXX, Alabama ) run a credit check on XX/XX/XXXX. I checked my credit on XX/XX/XXXX and saw that another inquiry was done without my permission. Thank You
Product: Debt collection

In XXXX of 2017, I have made several attempt to cancel my XXXX plan. I had to file a complaint with XXXX because CS was horrible and refused to cancel my services.They wanted me to cable boxes with me when I moved to North Carolina. Unfortunately, there was no XXXX available in my new area! After complaint was filled with XXXX, I received a call from a male who had apologized for my experience and decided to have someone on the last day of move to pick up boxes. Plus, was told they will credit my account. I never received a bill after that but was notified by my Collection agency XXXX XXXX with a balance of {$320.00}. Sometime in XXXX, I immediately called XXXX XXXX for removal and updated bill. They stated they never had my new address and that is the reason why a bill was not sent to me. The collection was dropped and new address was given to them. As of XXXX I did not receive any notification but have seen new collection with Waypoint for XXXX. Even though the collection amount was wrong, I decided to pay it off and continue to work with XXXX for refund. FINALY, I have received refund and have send to all credit bureaus, XXXX, XXXX and XXXX for removal of inaccurate collection.
Product: Debt collection

I am XXXX and Nissan motors acceptance cooperation has been accusing me of not making payments even though I have been paying above the minimum amount since I got the car. On top of that, they keep adding on these " late '' fees even though I 'm paying them on time. They have been blowing my phone up every single day for months now. At least 2-4 times a day. It does n't matter if I answer or do n't because they say the same thing. I keep blocking their number but they just keep calling me from different numbers. I told them many times that they are wrong about me owing them money. I told them they are harassing me and to remove me from their calling list but they just became more disrespectful towards me, making more threats, and calling me more everyday for no reason but just to harass me. These guys are crooks and I 'm tired of them treating people like this. It 's like they think I 'm rolling around in money but really I 'm barely making it by paycheck to paycheck. On top of all that these guys are ruining my credit. I went from having great credit to very poor credit because of these people accusing me of something that 's completely false. They 're are ruining my life.
Product: Debt collection

Claiming I owe money to a power company I've never used since I've moved here.
Product: Credit reporting or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A XXXX  PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX XXXX XXXX SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXX XXXX SECTION XXXX SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX, I filed for Chapter XXXX Bankruptcy. My bk was XXXX. Upon checking my credit report, I discovered that XXXX is reporting information on my report that is a violation of the FCRA and Bankruptcy Code by listing accounts, on the summary page, that I included in my chapter XXXX bk as " NEGATIVE '' or " LATE PAYMENTS. '' The creditor is supposed to discharge the accounts but they are not supposed to tell the credit bureau that it is a XXXX account. XXXX accounts can NOT be late-ever. 

Section XXXX of the FCRA requires credit bureaus " to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' It is not reasonable to label an account that has been XXXX in a bankruptcy as " bad debt of late '' if the account was open and not XXXX off prior to consumer filing bankruptcy. Such designation is inaccurate, misleading because it would indicate that the creditor had written off the account at the time of bankruptcy when it had not in fact done so. 

NEGATIVE REPORTING ON A XXXX DEBT IS A VIOLATION OF THE PERMANENT INJUNCTION OF MY DISCHARGE. They have interfered with me being approved for credit. They have interfered with me being approved for credit. I feel that I am being punished by the credit bureau and creditor for a difficult decision what was unavoidable.
Product: Credit reporting, credit repair services, or other personal consumer reports

A bunch of companies sold my information without consent
Product: Debt collection

Citibank is still reporting inaccurate information on my credit reports XXXX. Both agencies reflect the account was paid in full back in 2011 but continue to report the account as a charge off. I need this account removed as they continue to damage my credit & are supplying the bureaus with inaccurate information.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. Its showing XXXX late payment on an account that I have paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has never been paid late. I have attached a copy of my report to this complaint on the following date, XX/XX/year>. I am kindly requesting that you investigate this account and update this payment to reflect an on-time payment. Thank you for understanding and for your prompt action.