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

XXXX has listed the same account on my credit with different balances. 
Paid off - Balance {$7100.00} Balance updated XX/XX/XXXX Original balance -Nissan Motors Acceptance Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan Payment summary PAYMENT HISTORY LEGEND Status Charge-off Status updated XX/XX/XXXX Past due amount {$7100.00} Original balance - Then they have the same account listed with " XXXX '' balance Balance details Paid off - Balance {$0.00} Balance updated XX/XX/XXXX Original balance - Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan I have disputed this several times and nothing as been done to fix the items
Product: Checking or savings account

U.S. Bank was advertising a {$300.00} bank bonus. On XX/XX/XXXX, I signed up for a bank account. They contacted me on XX/XX/XXXX saying they needed further verification, specifically my social security card, state ID and 'foreign ID ' ( green card or Employment Authorization Document ). When I sent in my I-551 stamp, they said they 'can not take an I-551 '. 'I-551 ' is the Citizenship and Immigration Services form name for the 'green card '. They claim to accept permanent residents but in fact discriminated against me by refusing to accept my I-551 stamp,  which is legally equivalent to a permanent resident card. 

See : https : XXXX This violates local law, California Civil Code section 51, as well as federal law, 42 U.S.C. 1981 ( c ), because they are refusing to deal with me because I am a permanent resident and not a U.S. citizen. Even if I wasn't a permanent resident, they have no legitimate reason for verifying that I am a permanent resident because I have already provided them with my state ID and social security card. Now the bonus has expired and they have essentially defrauded me of {$300.00} due to their discriminatory practices.
Product: Credit card

I am a XXXX XXXX XXXX XXXX XXXX, Protected Health Information ( PHI ), Privacy, and HIPPA compliance are essential to the protection of clients. In XX/XX/2023 did not do this, Bank of America denied my application for credit/funding while taking that information to use for profit, a very serious offense. Being denied credit as the original bondholder transferring my private security interest ( PHI ) to them in exchange for open-ended access to credit is illegal. BOA stated it was because of credit score information, this action is complete discrimination. BOA has profited from my credit and my security interest. This adverse action eventually led to my filing for bankruptcy in XX/XX/2023. It is unlawful for any creditor to discriminate against me for any reason, including bad credit. I also had 3 accounts closed in XXXX of XXXX which are additional violations. I am the collateral holder, power of attorney, and surety over every account, also as a holder of these accounts also a beneficiary. BOA never got authorization from the surety to close, trade, or sell any of the security interests, So in total, there were violations with 4 different accounts, 1 credit, 2 checking, and 1 savings. I am rescinding any security interests with any of the terms and conditions of BOA, as well as any proceeds that they are expecting to go their way. In conclusion, I was denied funding while BOA has profited and I am opting out of any arbitration clauses with the terms and conditions, I have been damaged/injured.
Product: Debt collection

I have been disputing an account thats has been being reported on my credit report since 2018. This account has been paid off since 2018 and I have been disputing it for three years. I have emailed a statement from XXXX XXXX to the debt collection agency verifying the account was paid off. The agency said it wasnt sufficient enough and they wasnt going to remove it from my credit report.
Product: Credit reporting or other personal consumer reports

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

( XXXX, XXXX & 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 inaccurate.
Product: Credit card or prepaid card

An auto-payment from my credit Union checking acct. to PayPal Buyer Credit was transacted on XX/XX/2021 unbeknownst to me at the time for {$1400.00} I realized this transaction occurred when searching for another PayPal  Credit transaction from my online checking acct. in XXXX XXXX where all other PayPal transaction are listed as well. I have sent statements/transaction verifying payment confirmation along with a letter drafted by the manager of my credit union verifying the same. I am now in a redispute waiting for a decision of PayPal Credits second investigation regarding this case. Basically at this point, the auto-payment that was made that I did not or dont remember authoring for {$1400.00}, especially because my balance at that time was under {$300.00} dollars giving me know reason to make such a payment anyway, according to paypal can not be located.
Product: Credit reporting, credit repair services, or other personal consumer reports

The complaint alleges the violations of the Consumer Financial Protection Act of 2010 ( CFPA ) ; 12 U.S.C. 5531, 5536 ( a ), 5564, 5565 ; and the Fair Debt Collection Practices Act ( FDCPA ) ; 15 U.S.C. 1692-1692p ; in connection with debt collection act and practices. 

In accordance with the Fair Credit Reporting act ( FCRA ) ; 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 or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX  Balance Owed : {$15000.00} XXXX XXXX XXXX Balance Owed : {$4600.00} XXXX XXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX XXXX Owed : {$4800.00} DEPTEDXXXX XXXX Balance Owed : {$14000.00}
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXX XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX Balance : {$510.00} XXXX XXXXXXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$150.00} XXXX  XXXX Balance : {$310.00} XXXX XXXX XXXX  - XX/XX/year> XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX  XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. The Initial dispute was sent on XXXX/XXXX/2020 and the 60 Day demand to comply was sent on XXXX/XXXX/2020.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : ( last XXXX SSN is XXXX ), Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ), an mortgage loan account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), and XXXX XXXX XXXX accounts opened at Dept of Ed on XX/XX/XXXX and under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I have recently ( XXXX ) been contacted by debt collection about a gym membership from XXXX. The debt is from a company that I am not familiar with ; however, I did have a gym membership at this time. I believe the old gym XXXX XXXX XXXX ' that I had a membership with was bought out by XXXX XXXX XXXX ' ( XXXX, XXXX ) and my " debt/membership '' along with it. I enlisted in the XXXX in XXXX and submitted the associated documents to have my obligation relinquished with XXXX XXXX XXXX '. I have been in XXXX and XXXX since that time. The debt of ~ {$280.00} is being requested from First Credit Services stating that debt is owed from a contract from XXXX. I believe they are collections based out of CA, based on the caller-ID that have been attempting calls daily. I notified them of the information above, but since they have no direct relation to the gym 's records it is apparent they aren't considering this.
Product: Credit reporting or other personal consumer reports

THIS COMPANY IS REPORTING ON ME WHO ARE YOU I DONT KNOW THESE PEOPLE I DIDNT GIVE THEM PERMISSION TO REPORT IN MY NAME THEY ARE GIVING PEOPLE PERMISSION TO REPORT FALSELY ON ME. PLEASE GIVE ME SOMETHING SOLID IM BEING DENIED JUST NOT RIGHT BY LAW PLEASE INVESTIGATE... PLEASE REMOVE NEGATIVE REPORTING AND UPDATE.. I FILED A COMPLAINT REPORT TO THE FTC...
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me.

All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail.

In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. 
ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending these Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

My name is XXXX XXXX XXXX I have a bankruptcy charge on my credit report that I noticed a few months ago, immediately after I noticed it I filed a dispute with Equifax and XXXX. The dispute came back saying i dud file the bankruptcy. On my credit report it states I filed bankruptcy on XXXX or XXXX I did not file bankruptcy. I then spoke with a bankruptcy attorney and he was able to give me the Atty name that filed the bankruptcy. Attorney XXXX XXXX XXXX XXXX. I tried several times to contact him but I got no return calls. As I spoke with another attorney he asked if I had ever lived multiple address that I had never XXXX of My current address is XXXX XXXX XXXX XXXX XXXX ohio I have lived at this for XXXX years and my prior address was XXXX XXXX XXXX XXXX ohio. I did not file this bankruptcy that is on my credit report. I have been turned down from banks while trying to get a loan. My rental lease is up.in a few months and I can not get a apartment rental with a bankruptcy on.my credit report .This is completely stressing me out. My SS XXXX, Please help me with this matter Thank you my cell number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX2018 I made a payment of {$490.00} to XXXX XXXX Bringing me current ) On XXXX/2018 I made a payment of {$50.00} to XXXX XXXX Keeping me current ) On XXXX/2018 I made a payment of {$53.00} to XXXX XXXX Keeping me current with decrease in balance owed ) However, my credit report as of XXXX/2018 has yet to be updated correctly. 
I called XXXX and filed a dispute sometime in the month of XXXX to dispute the issues with my credit still showing me being behind 140+ days with an account that " needs attention '' and I received notification on Sun XXXX/2018 that my 3 accounts had been updated and current. One week later, I received notification from XXXX XXXX stating that my credit for the three XXXX accounts went back up due to late payments and it was reverted back to the previous status. ( As if they didn't make it current a week later ) I called and both XXXX and XXXX  continue to send ma back and forth telling me that the other company/agency is to blame but it's still not fixed. Not only that but XXXX has three separate account on my credit when in XXXX I'm only able to pay two separate accounts ; meaning it should be two accounts on my credit and not three.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently put up a copy of my credit report I saw a bunch of inaccuracies on my reports. I immediately reached out to the bureaus about this issue. I have read online that the bureaus have 45 to 60 days to do a investigation and I have waited patiently. I sent my letter dated XXXX I have still not heard anything back from the From the bureaus letting me letting me know that they have even started on my dispute. I believe this information is in accurate and whatever it has not been validated must be deleted according to the FCRA section 611 please Reech to to them and help me
Product: Money transfer, virtual currency, or money service

On XX/XX/18 I received a noticed from XXXX XXXX, XXXX Trust informing me of a change to my XXXX XXXX cash management sweep vehicle with no date for the stated change of cash vehicle, nor any disclosures. 

I wrote a demand letter XX/XX/18 requesting all disclosures for the use of cash sweeps in the Trust accounts. 

Additionally, XXXX XXXX, XXXX Trustees have an accounting petition pending before the Surrogate Court of the State of New York, the County of XXXX, which has been contested and for which Discovery requests for production have been sent by myself to the fiduciary and attorney, XXXX XXXX, XXXX XXXX. of XXXX, XXXX XXXX XXXX XXXX. Disputed in the accounting is the use of various cash sweep vehicles for which the fiduciary failed to provide disclosures. 

The banking system of Community Bank System , Inc, XXXX XXXX  XXXX XXXX , XXXX and XXXX XXXX, XXXX XXXX XXXX has failed to provide disclosures for the compensation / commission arrangements between it's subsidiaries for the use of the XXXX cash sweep vehicle.
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 # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  : # XXXX XXXX  XXXX : XXXX XXXX XXXX XXXX : # XXXX XXXX  XXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX  XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX has all violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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: Debt collection

I owed a debt to Capitol One. On XX/XX/XXXX of this year I received a letter stating that I paid them through XXXX XXXX XXXX  the agreed a pun amount to settle the debt. They then reported to the credit bureaus I still owed a high amount of debt. I called them back and asked why, they sent me a letter dated XX/XX/2022 stating that they sent the credit bureau`s an update and it may take up to 60 days to reflect. On XX/XX/2022 They reported to the credit bureaus I still owed a high amount. I have the letters they sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following companies have violated my rights : Collections XXXX XXXX XXXX Opened XXXX {$300.00} XXXX XXXX Opened XXXX {$990.00} XXXX XXXXXXXX XXXX XXXX Opened XXXX {$1200.00}
Product: Debt collection

Reciving calls from XXXX, a company stating they are collecting a debt on behalf of XXXX. A credit card I paid and closed XXXX years ago. XXXX is no longer in business and is not reported on my credit report.
Product: Credit card or prepaid card

I purchased makeup products online, advertised new and unused ( I have copy of original listing ). Once received, the products were fake and used, after doing some research online, this is a common scam. So I contacted the seller and requested to return the items and get a refund. They refused. Since I had paid via Paypal, I issued a dispute.

Here 's the confusing part, Paypal instructed me to return the items and provide the tracking information and they would issue a refund. So I did. After already paying {$130.00} for the products, I spent another {$15.00} in shipping charges. I would not have returned the items if Paypal had not told me to because the seller already stated they would not issue a refund. But since Paypal told me to, I assumed they would issue the refund due to buyer protection.

But after I shipped the items and provided tracking information as instructed, they commented on the dispute denying the refund??????

So due to THEIR instructions, now I am without product OR payment???

Please help with this situation. If they weren't going to issue a refund, they why did they request I make the return and state that they would??
Product: Credit reporting or other personal consumer reports

I

n 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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.