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

15 US Code 1681b ( e ) ( 6 ) All CRAs must work together and be joined.

I am writing to bring to your attention a major issue with the public record information on my credit report. It is a fact, consumer reporting agencies on a nationwide basis must maintain a joint notification system. This consumer has reason to believe and do so believes, this subsection was enacted to maintain maximum possible accuracy amongst CRAs. This information for XXXX XXXX on my consumer report does not match the information provided by other consumer reporting agencies. XXXX removed the XXXX XXXX from my consumer report, which means XXXX and Experian has failed to maintain reasonable procedures to keep a joint notification system, and is in violation of US Code 1681b ( e ) ( 6 ). I kindly request that this inaccurate information be promptly removed from my credit report to ensure compliance with the Fair Credit Reporting Act. I understand the importance of accurate and fair credit reporting, and I trust that your agency will take necessary steps to address this matter in a timely manner. Please have the CRAs provide me with a written confirmation once the inaccurate public record information has been rectified. I appreciate your attention to this issue and look forward to a swift resolution. Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a living human being writing a complaint against the company of XXXX, Equifax and XXXX. My information has been compromised through their inadequate process causing violations on their behalf of the 15 USC 168. This company is furnishing fraudulent inquiries on my credit profile that were not authorized by me the consumer XXXX XXXX XXXX.
Product: Vehicle loan or lease

I have a loan through my credit union for a new car loan. My payments are due on the XXXX of each month. This month my payment falls on a Sunday. I logged onto my account today which is the XXXX and my account is flagged as being delinquent. I spoke with a Representative at the Credit Union and she informed me that my account was not delinquent, but because they are linked to the Treasury system it is flagged this way because of the posting. 

I pay my bills on time, and this is really frustrating to have my account flagged in this manner when it is not applicable to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the third time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I'm looking forward that the disputed items will be corrected ASAP. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written by US Mail and made numerous phone calls to have information corrected and updated on my credit report. I have notified the collection agency as well as all three credit reporting agency 's with proper identification along with a copy of my social security card. I've never applied for or authorized anyone for any kind of service at XXXX. The information that I have received from the past, XXXX, XXXX  and XXXX XXXX have not physically verified this inaccurate information, collection companies verbally reported information to the credit bureaus as verified. This reckless reporting tactic from the collection company as well as credit bureaus has cost me a great amount of hardship during my search for employment and seeking a government security clearance. This debt of {$1500.00} does not belong to me, I will be consulting with an attorney for possible damages caused by the inability to obtain employment pending the out come of this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had someone access my credit profile for accounts that I do not recognize. I have had my wallet stolen and my credit, I.D . was used not sure how many accounts were opened. My current address is XXXX XXXX XXXX XXXX, XXXX XXXX. My name is not XXXX XXXX or XXXX XXXX please delete them from my credit file. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX/XXXX  XXXX # XXXX****, XXXX XXXX XXXX XXXX # XXXX****, XXXX XXXX XXXX XXXX XXXX XXXX**, XXXX XXXX XXXX # XXXX**** , I do not own these phone numbers please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX.
Product: Debt collection

Called Jefferson Capital Systems LLC to find out what the debt was about and why did it just showed up on my credit report. I have never heard of a company called Jefferson Capital System. I never got a notice in writting to validity of the debt or who the debt was for. 
I called and talked to XXXX ( not in XXXX ) language barrier and was very hard to talk to and she passed me to XXXX and i had a hard time talking to her and asked for the Legal Dept. and she said she was in the legal dept. Ask to talk to someone with the legal dept who i could understand and was passed to another gental man who i couldn't get his name and fininally just hung up on them. 
Called XXXX XXXX XXXX in XXXX XXXX Mn and getting nothing but a recorded line about account numbers or SS which i will not give my SS to just anyone. 
So i filed a compliant the Sec of State in MN. and with this agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the previous written requests sent to Equifax, they seem to simply ignore my appeals by not responding to my letters. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ) requires the Credit Bureaus to verify and authenticate the accuracy of this account. It is unacceptable to continue reporting this account as unconfirmed information without producing proof within the time allowed by law. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please have this account corrected at once : XXXXXXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I sold an XXXX on XXXX, which uses PayPal natively to facilitate the transfer of funds. The phone was confirmed to be delivered to the buyer today ( XX/XX/XXXX ) by UPS, so when attempting to log into my PayPal account to check on the status of the funds, I received a notice that my {$880.00} would be held for 180 days and that my account with PayPal was now permanently limited. I was given no warning, nor reason as to this limitation. When I called PayPal to resolve the issue, I was informed that the limitation was started and completed on XX/XX/XXXX, and that there was nothing I could do to reverse it because it was deemed permanent by PayPal. The only reason for the limitation that I was given is that there was a " risk '' associated with my account, but was not told anything specific.
Product: Debt collection

YOUR COMPLAINT I paid my debt to XXXX XXXX in XXXX to XXXX. I called them and verified that all debts were paid. Balanced Healthcare receivables & XXXX XXXX XXXX XXXX sent two claims stating a balance due to collections. When contacting the hospital they are saying that I did not owe anything. Notified the collections company. I feel this is fraud by either the hospital working with the collections companies. 

I worked with XXXX XXXX  in creating payment agreements to pay my bills. Attached are screenshots and verification of payment, documentation of XXXX balance Company 's Response ( Balanced Healthcare receivables , llc ) BHRLLC reached out to our client to confirm the balances in our office. Our client XXXX XXXX reviewed and they are showing the same balances that we have in our office, they have requested any additional information the patient might have. We have the accounts as disputed in our office. Clients review : XXXX XXXX XX/XX/XXXX {$340.00} : Per the EOB, patient responsibility is {$1000.00} and shows a total of {$650.00} paid leaving {$340.00} balance. XXXX XXXX XX/XX/XXXX {$520.00} : Per the EOB, patient responsibility is {$1000.00} and shows a total of {$470.00} paid leaving {$520.00} balance. XXXX XXXX XX/XX/XXXX {$400.00} : Per the EOB, patient responsibility is {$400.00}, and no payments posted to date. 

What I have found out in addition? 
XXXX XXXX does not exist! We do not have a hospital with that name in XXXX, Fl. Documents received look very shady, no contact information is visible. 

XXXX XXXX suffered a databreach in XXXX https : XXXX I think this is fraud being claimed. I'm also contacting XXXX XXXX security team regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : U S DEPT OF EDXXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Credit reporting or other personal consumer reports

My account was charged off by Southeast Toyota after my vehicle was totaled ( XXXX did not cover my full car payments ). I made payments every month up until XX/XX/XXXX and I was told by Southeast Toyota that my account was charged off on XX/XX/XXXX. I was contacted by a Southeast Toyota representative at the end of XXXX to make a full payment by XX/XX/XXXX for the account to be fully closed. I was never notified of a charge off being put into my account for any reason during that conversation nor on did I receive any mail regarding a charge off on XX/XX/XXXX. The charge-off was actually reported to XXXX, XXXX, and XXXX on XX/XX/XXXX. On XX/XX/XXXX, I made a full payment on the account. Now they are reporting it to my credit report as Paid Charge off. This is a violation of my consumer right as I was never notified of any charge off going into my credit report. I paid every month as instructed by the South east Toyota representative that was in charge of my account. Please remove this charge off off of my credit report it is a violation of my of the Fair Credit Reporting Act rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted my identity verification multiple times ( XXXX, XXXX, XXXX 2019 ) Yet, my accounts have not been updated. When I call they say that they have not received. I have attached my i.d and social for verification. Please have the bureaus update my information so that when I try to get credit I have no issue. I am only XXXX years old and I am trying to build responsible credit but this discrepancy has been holding me back for 6 months. Please help
Product: Checking or savings account

On XX/XX/2023 there was a charge to my debit card for the amount of {$250.00} at a XXXX XXXX. The charge also mentions XXXX, I looked up " XXXX XXXX '' and the nearest one to me ( XXXX, CA ) is in XXXX, WA. I disputed this immediately on XX/XX/2023, I explained to Citibank that I live in California and it's a XXXX XXXX to XXXX or XXXX flight. On XX/XX/2023 I have purchases from a taco truck and other places after the XXXX XXXX withdrawal. Citibank states that because I was in possession of my debit card the entire time the withdrawal is valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
TRANSUNION and the account name is XXXX XXXX balance {$13000.00} account # XXXX 30 days late in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Despite the letter that the mortgage loan servicer sent me today in response to my earlier complaint this week, I just received two emails in a row from their insurance department claiming that my condo flood policy has still NOT BEEN UPDATED! See attached. That is the THIRD time this mortgage servicer 's insurance people have emailed me and claimed the valid policy is NOT valid. They are clearly COMPLETELY INCOMPETENT and they are failing to update the valid condo flood policy, which is again attached to this second complaint this week.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against XXXX, XXXX, and Experian regarding the inaccurate information on my credit reports that they have failed to remove despite my numerous attempts. 

Over the past year, I have written to XXXX, XXXX, and Experian eight times requesting that they update my credit report to reflect only my current and accurate personal information. However, despite providing ample documentation, including my driver 's license, Social Security card, and recent pay stub, the credit bureaus have failed to remove the old, outdated, and incorrect information from my file. 

Specifically, my credit reports continue to list multiple, inconsistent addresses and outdated employment and contact information that do not accurately represent my stable financial situation. This incorrect data could severely impact my creditworthiness and hurt my chances with potential lenders or employers. 

I have made every effort to resolve this issue directly with the credit bureaus, but they have been unresponsive to my concerns. The persistence of these errors is causing me significant stress and concern about the potential negative consequences to my financial standing. 

I kindly request that the CFPB intervene and compel XXXX, XXXX, and Experian to immediately update my credit report to reflect only my current, verified personal information. This includes listing my correct address, employer, and phone number, and removing all outdated and inaccurate data. 

The credit reporting agencies have a legal obligation to maintain accurate information in consumer credit files. Their failure to do so in my case is unacceptable and I hope the CFPB will take appropriate action to rectify this issue. 

Thank you for your assistance in this matter. I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Bank refuses to fix banking errors done on their behalf was double charged for every transaction that I made today on XX/XX/2019. This not the merchants fault because I only saw them charge me once of a transaction. The representatives would not treat me with respect nor afforded my rights to me. They stated that the system was down and that they could not do anything untill XXXX XXXX the following day they blamed merchants for the charges and lied to me. On consistent basis they do not treat me with dignity and force me to be disrespectful to them I have a right to express my emotions towards and acted fully with my rights as a customer and a minority. They keep stealing money out of my account every month the miscalculation is made for how much money I spent on the account.
Product: Credit card or prepaid card

Hello. I was notified by mail in XXXX of possible fraud charges. Called and there were XXXX fraud charges to the same vendor XXXX. Reported all charges as fraud. 

It is now the end of XXXX ( the XXXX ) and they have not resolved these. The voicemail for the person I was informed to follow through with is XXXX at XXXX x XXXX. Her voicemail says they are experiencing higher than normal volume. The same or similar message was there in XXXX. 

Files of available statements attached showing fraud charges, finance charges, and prior balance of XXXX. 

Thank you for your time and attention.
Product: Checking or savings account

Overdraft Fees When I Called And Told Them If My Account Has No Funds I Don't Want Anything Going Through. And One Time I Sent XXXX To The Wrong Person On XXXX And They Basically Told Me Oh Well.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX