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

Charge offs are considered income according to the IRS, I never received a 1099c from this company although the debt has been sold to a third party company. Income is forbidden to be on a consumer credit report according to congress 15 ISC 1681-2 ( a ) ( i ) No transactions or experiences are allowed to be on a credit consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been requesting information from the bureaus and they haven't sent me anything. There are several accounts I needed information on. 
1 ) There are 2 XXXX XXXX XXXX one is for XXXX the other for XXXX. one showing opened in XX/XX/XXXX the other XX/XX/XXXX why if money was owed would they have opened another account. There is no way I owe {$2200.00} to XXXX .... This is a mistake 2 ) XXXX XXXX they indicated the payment history was bad starting XXXX of last year that is not correct 3 ) XXXX XXXX this was being paid through my employer they were taking money out of my check for this and there should have been no late payments 4 ) XXXX and XXXX  are also reporting two medical collections both with a company named XXXX one in the amount of {$520.00} the other in the amount of {$900.00} neither which are mine. These companies keep taking a debt that does not belong to me and continuously sell it to someone else they are not mine. 
I started requesting an investigation to the above accounts back in XXXX and have yet to get anything from any of the three bureaus. WHAT IS GOING ON?
Product: Credit reporting or other personal consumer reports

XXXX XXXX Experian and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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 CARD - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX CARD - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX CARD - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX CARD - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX CARD - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX CARD - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX CARD - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX CARD - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX CARD - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 



XXXX XXXX, Experian, and XXXX have 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 or 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 data is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Violated my consumer rights : XXXX XXXX Code XXXX - Congressional findings and statement of purpose XXXX Code ( a ) Accuracy and fairness of credit reporting The XXXX makes the following findings : ( XXXX ) The banking system is dependent upon fair and credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter Account Name : XXXX XXXX XXXX Account XXXX Account Type : Collection Date open : XXXX Status : Seriously past due date/assigned to attorney, collection agency, or credit senator 's internal collection department. 

Status Updated : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

checking my file I've noticed a lot of invalid information on my transunion credit report. I am interested in disputing all of the following information to help clear my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown information on my credit report to XXXX XXXX, XXXX, and XXXX. 

On XX/XX/2021 almost 60 days later I received a letter from the data furnisher XXXX XXXX XXXX with a printout of procedures that I supposedly went through at XXXX XXXX XXXX. TransWorld Systems did not include a signed release of information signed by me nor did they include a HIPAA form signed by me and I never signed a HIPAA form for a company called Trans World Systems to have access to any of my personal medical files. 

On XX/XX/2021 I sent a letter regarding inaccurate and unknown information on my credit report to XXXX XXXX, XXXX, and XXXX notifying them that my HIPAA rights have been violated. I have not yet seen the violating accounts deleted from my credit file.

According to the FCRA Trans World Systems has violated my HIPAA rights, they are mailing out medical procedures with my personal information on them. 


TransWorld Systems XXXX XXXX XXXX TransWorld Systems XXXX XXXX XXXX TransWorld Systems XXXX XXXX XXXX TransWorld Systems XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I mailed a letter to the courts inquiring information about the reporting of information on my credit report which they stated they did not report.
Product: Credit reporting or other personal consumer reports

Trans Union has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved. The CFPB has recently filed a lawsuit against Trans Union, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience that Trans Union has neither corrected nor removed despite the evidence I have provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Trans Union 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to call XXXX and they would not accept my call because I was not a customer
Product: Credit reporting or other personal consumer reports

Experian and XXXX are refusing to report accurate information regarding my account with XXXX XXXX. The account is reporting a {$300.00} balance and the balance should be {$0.00}. I paid the balance on the account, yet the credit bureaus are refusing to report it, which is affecting my credit score. Also, XXXX is refusing to investigate my dispute. The letter from XXXX states that it appear that the dispute didn't come directly from me. According to the letter from XXXX, they won't process the request until it comes directly from me. My complaint was through the Consumer Financial Protection Bureau regarding the account with XXXX XXXX, yet the are still refusing to investigate. Experian and XXXX are reporting the inaccurate/ misleading account with XXXX XXXXXXXX after I have provided proof to the Consumer Financial Protection Bureau , XXXX and Experian, that Capital has placed both accounts in collection. I've sent a copy of my drivers license and a bill in my name. There is no reason for the credit bureaus to believe that my disputes are from a third party. I've been disputing the same items consistently for more than 3 years now. These are the type of tactics that the credit bureaus have been using to violate my rights.
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. 

Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : Untitled Account Number : XXXX has violated my rights. Or list of inquiries 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: Checking or savings account

I have thousands of dollars in my Citi 's checking account. For some reason, I haven't receive new debit card due to moving. When I moved to XXXX TX last year, I noticed my online account was blocked and I can not use my check. What's worse, Citi closed all their local branches, so there's nowhere to solve the problem locally. Then I call their customer service, they said they can not help me as I don't have the new debit card number ( I never receive, or activate ), and they ask me to write a letter to an address in XXXX XXXX. I did as they asked in XX/XX/2017, and never heard back until now. I HAVE A TROUBLE TO USE MY OWN MONEY!
Product: Credit card

ON XX/XX/2013 I OPEN A CREDIT CARD ACCOUNT FNB XXXX THE CREDIT LIMIT WAS XXXX I WENT OVER THE LIMITED THE CREDIT LIMITED BUT PAID THE ACCOUNT OFF AND RECEIVE MY XXXX DOLLARS DEPOSIT BACK INFORM OF CHECK AFTER CLOSING MY ACCOUNT WITH THEM MY ACCOUNT WAS REPORTED TO THE CREDIT REPORTING COMPANY AS A CHARGE OFF ACCOUNT AND I HAVE TRY TO DISPUTED AND TRY TO REACH OUT TO THIS COMPANY MULTIPLE TIMES THEY HAVE ADVISE ME THAT THEY CA N'T GET IN TOUCH WITH COLLECTION DEPARTMENT AND DO N'T HAVE NUMBER FOR THEM. I HAVE TRIED AND TRIED AND THEY WANT HELP
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this error on my credit report for the past 4 months and nothing has changed. I am now being violated as a consumer and these bureaus are causing me mental anguish by reporting inaccurate late payments on my credit report. I have never made any late payments on any of my accounts yet these bureaus are still being stubborn by reporting the 1 late payment on 14 of my student loan accounts. This will be my final attempt to rectify this situation as it is highly affecting my credit score from what it should be reflecting as currently. TRANSUNION IS ALSO WELL OVER 30 DAYS OF RESPONDING TO MY LETTER THEREFORE THE SIMPLE ITEM I AM REQUESTING TO BE UPDATED NOW MUST BE UPDATED BY LAW.
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 XXXX credit reporting agency , block information appearing on my consumer credit report that is a result of identity theft and fraud within 4 days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal credit card account opened with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 recognize the aforementioned accounts and collections as reported. The aforementioned accounts and, collections appearing on my consumer credit report maintained by you were not opened, made or initiated by me. all of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXXXXXX, as proof from US Federal Trade commission that all of the aforementioned accounts and, collections are fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a dispute on XX/XX/2018. I have not heard back from them. The FCRA requires them to respond within 30 days.
Product: Credit reporting or other personal consumer reports

Requested a Cease and desist from Kinum INC KINUM INC Address XXXX XXXX, VA XXXX Account number : XXXX **Subject : ** Cease and Desist Communication Regarding Alleged Debt To Whom It May Concern : This letter serves as a formal notice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692c ( c ). I am writing to inform you that I refuse to pay the alleged debt associated with your collection efforts.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> the following companies inquired about my credit without my consent : XXXX  XXXX  XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX  On XX/XX/year> the following company inquired about my credit without my consent : XXXX XXXX XXXX On XX/XX/year> the following company imquired about my credit without my consent : XXXX XXXX XXXX  On XX/XX/year> the following company inquired about my credit without my consent : XXXX XXXX XXXX On XX/XX/XXXX, XXXX The follomg company inquired about my credit without my consent : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputes inquiries on my credit report with Experian that were a result of the XXXX data security breach. Have not received mail from Experian. It has been 40 days. Tried calling and the wait time is too long.
Product: Mortgage

All the attorney foreclosure fees need to be removed since there was already an agreement with me and the bank about the past due amount and I was just waiting for the paper work from the bank The agreement was done in XX/XX/XXXX and to my surprise on XX/XX/XXXX I received the paperwork from the attorney at that time I contacted chase and chase told me no to worry that there was already an agreement so disregard that, I even went further and contacted the attorney to let him know there was already an agreement ( see attached ) I emailed him. That same day. 
Never received a response from the attorney and I trusted chase to disregard and also I was told no attorney fees will be incurred cause they will notified the attorney right away. 
That would be between the attorney and chase but they charged me for their mistake in communication and possibly chase didnt informe the attorney on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three major credit bureaus seem to be reporting the same erroneous information that includes harassing debt collectors that are calling me, however these negative accounts do not belong to me. The results of this has cause my credit score to drop considerably.
Product: Checking or savings account

On XX/XX/2019 I was scammed out of {$4000.00} by someone on the phone claiming to be an airline because I have had issues with my ticket for an upcoming trip in XXXX. I have tried to work with WELLS Fargo but they say that I authorized the transactions. Tis is clearly a scam and I can prove it. and because of the amounts charged to my account Wells fargo should have flagged it and stopped my card from working.
Product: Debt collection

I had XXXX XXXX and when to emergency room.I was diagnosed with XXXX XXXX XXXX. I was in lots of pain and demanded a XXXX.I was denied of XXXX by XXXX of XXXX, NJ. My NJ hospitals XXXX  could not see me with in a week or next 6 month, due to being overbooked.I have to see XXXX  doctor, mr XXXX, he took me right away, and diagnosed XXXX XXXX XXXX.What needed a XXXX. XXXX was preformed at XXXX XXXX XXXX PA,XXXX miles from my home in NJ. My health insurance refuse to cover XXXX due to medical code submitted as XXXX XXXX XXXX, What they not consider emergency XXXX .XXXX. XXXX provided to XXXX XXXX XXXX XXXX XXXX XXXX  correct diagnoses, to make sure, XXXX payment going to be processed under right medical code.Medical bill from XXXX hospital and XXXX XXXX XXXX went in to dispute appeal with health insurance, XXXX XXXX XXXX XXXX XXXX XXXX.XXXX  hospital billing was provided with appeal information. About 2 years I have not received any info about my appeal.Now in 2020 I received a letter from collections.I am not sure if they can legally collect from me.And I don't know why XXXX XXXX XXXX XXXX did not send me appeal resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions Identity Theft affidavit. Please delete the items as soon as possible. 
Account name- XXXX Account name- XXXX XXXX XXXX  Account name XXXX XXXX
Product: Student loan

Dear Sir/Madam : I 've already submitted a case under number XXXX, however in addition to that claim, I have the following complaint regarding the loan received to study at XXXX XXXX University in XXXX XXXX. 
I paid my student loan, which was 30 days late in addition to the current monthly loan due on XXXX XXXX 2017. My aunt, who is the co-signer on this loan, received up to XXXX calls per day until XXXX XXXX 2017. I live in XXXX, XXXX and those collection calls should come to me and not my aunt, but maybe the lender does n't want to pay overseas calling costs. At any rate, these collection calls continued even after the loan payment had been made ( 4 times per day ). I think it 's incorrect, for customers to continue to receive collection calls after the payment has been made -- - until Navient can sort out its own internal accounting postings. Once the payment has been made, collection calls should cease immediately. This is psychological terror. It 's unacceptable that someone who is trying to make the ends meet should continue to receive collection calls even after the payment has been made. And even if I had n't made the payment, XXXX collection calls in one day, should be considered excessive harassment. The next time this happens to me, I will be seeking legal counsel. I 'm required to pay a penalty on my account for late payments, which is enough. The addition of XXXX collection calls in one day and everyday harassing customers for payment ca n't be considered legal. Not to mention, it 's inhumane!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX, original creditor is XXXX XXXX, amount {$270.00} 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 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

This company is fraudulently reporting a late payment on my credit report. This company offered me COVID Forbearance which I accepted for a period of 3 months. At the end of the forbearance period I voluntarily resumed making normal monthly payments and then shortly after paid back the 3 months due for the forbearance period. This company has ruined my credit and refuses to acknowledge their mistake. They claim that I needed to physically sign documents to get off the forbearance program even though they allowed me to enroll without physically signing anything and just enrolling online. I have supporting documentation from my bank indicating the constant monthly payments to this vendor. I need them to remove this false late payment claim off of my credit report. I contacted them several times to remove the false late payment and they refuse.