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

In accordance with the fair credit reporting act the following companies listed below, XXXX, TransUnion both have violated the following FCRA laws. 15 U.S. Code 1681- Congressional findings and statement of purpose. ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate 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. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to ensure 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, regarding the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 15 U.S.C 1681 Section 604 ( a ) ( 2 ) IN ACCORDANCE, WITH THE WRITTEN INSTRUCTIONS OF THE CONSUMER TO WHOM IT RELATES. The Following Inquiries are Unauthorized, Unverified, Incomplete Inquiries Listed Below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Remitly charge me XXXX for a express transaction ( immediately ) it has been 5 days, made my family waste cab money because they lie about some verification with their partner. And has made it very difficult to get my money back.
Product: Debt collection

I received an alert that my credit files had been flagged/updated by Choice Recovery Inc. , on XX/XX/2022 for {$470.00}. Choice Recovery IncXXXX, are debt collectors demanding a debt on behalf of XXXX XXXX XXXX. I have not received any goods or services from Choice Recovery Inc., and I do not know how Choice Recovery Inc., received my private medical information. Choice Recovery Inc., does not have a permissible purpose to contact me for any reason in regards to any alleged debts. There are no contracts in place to support that we have agreed to honorably conduct any business and I have not agreed to pay/tender anything to Choice Recovery Inc. , My HIPPA rights have been violated. 
I am not a party to any agreements that Choice Recovery Inc., may or may not have with XXXX XXXX XXXX. I am not responsible for Choice Recovery Incs purchase / transfer. 
Choice Recovery Incs reply outside of the CFPBs portal, must be delivered via the postal service. If the envelope is not properly stamped by the postmaster ; it will be returned to sender due to mail code violations. ( I will upload all proof ) Please abide by all mail codes. All calls are recorded for my safety. 
Please be advised that neither Choice Recovery Inc., or XXXX XXXX XXXX are Holders In Due Course. Please remove this unverified account from my credit report and Cease and Desist.
Product: Credit reporting or other personal consumer reports

This account is already completely settled, my last payment was on XX/XX/2023, it is a closed account, I have never paid late and Experian has on my credit report that I am 30 days late with payment and that is incorrect because the account is day all payments on time and it is a closed account currently my last payment was in XXXX therefore they have an error on my credit because it is a closed account, paid and never late with payments the account is, Account name : XXXX XXXX XXXX Account number:XXXX Account type : Auto Loan
Product: Credit reporting or other personal consumer reports

I noticed a credit inquiry from XXXX  XXXX XXXX on my credit report dated XX/XX/23, which I did not authorize. There is an initial fraud alert on my credit report.
Product: Checking or savings account

Hello, Ive banked with Chime for quite some time now ... I share a checking, savings and credit builder account with them. I transferred some funds on XX/XX/24 to pay my insurance and an hour later my account had been closed. This is an account I live on. My unemployment is deposited into this account bi weekly. I have rent to pay and bills that are due. Can someone please help me retrieve my monies!! Im XXXX and bedridden and doing everything on my own please help
Product: Credit reporting or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i.

Summary of Accounts being challenged in list form XXXX XXXX - Account XXXX My parent has the same name as me. 

XXXX - Account XXXX Please Update all payments, all pay was made on time.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. 

Name : XXXX XXXX XXXX Also Known As : XXXX, XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

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. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies 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 vour reference. Mv 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 Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I checked my credit and saw an account from PORTFOLIO RECOV ASSOC for  XXXX XXXX. in the amount of {$2600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

During XX/XX/2017, XXXX XXXX negotiated with Citibank - XXXX  regarding my outstanding balance. An agreement was reached and I have been paying my payments monthly since XX/XX/2017 without any interruptions. However, Citibank is showing my account as a charge off even though they are currently taking and receiving payments for my account. This is causing stress and time to continually go back and forth with Citibank that I hired The XXXX XXXX to help. To this date, The XXXX XXXX have not been successful either. Please resolve.
Product: Debt collection

I was called by Premiere Student Loans on XX/XX/2018. They told me that I am eligible for student loan forgiveness. They said the federal government was going to forgive 70 % of my loans on an income-based forgiveness program if I provide them with 2 of my pay stubs, told me all of the amounts that I now owe ( approximately {$10000.00} ) and started me on a payment plan for 245 months. For 5 months they will take {$230.00} from my bank account and for 240 months they will take {$40.00} on the XXXX of every month. They have my card information, social security number and changed my FSA ID password. 

Here is the contact information from the student loan advisor I talked to : XXXX XXXX Student Loan Advisor PREMIER STUDENT LOAN CENTER Direct XXXX Fax number XXXX XXXX XXXX
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. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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

On XXXX XX/XX/XXXX, I received a notice from USAA Federal Savings Bank at XXXX that I was being assessed a non-sufficient funds fee of {$29.00} because of a {$9.00} ACH debit that did not clear. On XXXX XX/XX/XXXX, I contacted a customer service representative via banks mobile app chat portal to dispute the charge and request a refund. XXXX, the representative that I was connected to, informed me that I was assessed the {$29.00} fee because when the {$9.00} ACH attempted to clear on XXXX XX/XX/XXXX, my balance was, according to her, {$8.00} when they attempted to clear the debit. I informed her that according to the ledger of posted transactions for XXXX XX/XX/XXXX on the banks mobile app, my balance never fell below {$9.00}. XXXX informed me that the system would not allow her to issue a refund.
Product: Mortgage

Truist paid my property taxes to the county late and now there is a fee being assessed due to the failure to submit a timely payment from my escrow. I have received notice that my name will be published in the newspaper as a tax delinquent unless this is remedied by the XXXX of XXXX. I have reached out to Truist twice, spending over an hour on the phone trying to get some assistance, and have been disconnected both times from their tax department. 

Truist 's tax representative told me ( before I was disconnected ) that according to their records, they paid my property taxes in XXXX of XXXX. However, the county tax office received payment on XX/XX/XXXX for taxes billed in XX/XX/XXXX. This was past the county 's three month grace period and I have now been assessed a penalty. If my name is printed in the paper as a tax delinquent, it will cause irreparable harm to my reputation and career, and this needs to be addressed immediately. I have just been transferred from department to department and nothing has been done by Truist. 

Since Truist bought my mortgage, it has been errors upon errors by this bank and I am frustrated that I keep losing both my time and money because of their negligence and failures. This should absolutely not be allowed to continue.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On Wednesday, XX/XX/2018 after XXXX, I contacted the company in regards to the delinquent debt and was able to negotiate a payment plan, and I had orally requested that they stop their harassing phone calls to myself and various other members of the family. They have been calling family that are not listed as contacts or have any connection whatsoever to the student loans owed. As of XX/XX/XXXX in the afternoon after XXXX, they did not cease their collection calls and called yet another family member with no connection to the debt. At this point, not only are they breaking the law, but they have been doing so for quite some time. If this is not resolved, I will be taking the appropriate legal action.
Product: Credit reporting or other personal consumer reports

How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRAXXXX XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Product: Debt collection

Someone stole my identity and opened a XXXX account which they never paid. They then resulted to opening an optimum account when their XXXX was disconnected. I have a police report which states the identity theft. I submitted it to optimum and they took the account off my record. However, I have submitted the police report to XXXX and they are still charging me for it. Now I have a collections agency named Enhanced recovery corporation on my credit file when this account was a result of identity theft. I have tried contacting the agency and no XXXX answers. I have also tried contacting XXXX and I just get passed around the phone until I ultimately get greeted by a voicemail.
Product: Debt collection

I called on XXXX XXXX 2023 they didnt resolve it.I indicated that I had no contract with any of these companies.It was told to that it was disputed two times and came back in there favor.
Product: Debt collection

I try disputing the debt with the credit bureaus they're stating that the debt is mine when it is not my name is not XXXX XXXX it is XXXX XXXX XXXX. No idea who XXXX XXXX is I'm Requesting that the collection of this debt to be stopped and removed from credit bureaus as it is hurting my credit worthiness.
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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX 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: Credit reporting or other personal consumer reports

Equifax was tasked with investigating and running disputes for XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX After making arguments about a disputes items being investigated incorrectly I was transfer to who a supervisor was who verbally stated on record that they have 1. Received all documents for verification 2. Received all deletion files 3. Received a updated and accurate credit report from XXXX 4. Received fraud reports 5. Received CFPB Reports All other credit agencies that received this documents removed files for fraud and irregularities and Equifax admitted to not running disputes at FCRA standard as previously stated and this is verified by the recent removal of XXXX  XXXX. They refused to investigate that file for 2 years even while being requested to do so. Attached you will see the recent XXXX XXXX  account that was flagged as fraud and deleted yet Equifax evaluated the account as accurate. This has been the issue with XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Equifax has refused to delete the fraudulent files
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX ; XXXX GA XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit card

From time to time XXXX XXXX makes offers for statement credit and bonus points if you open a new credit card, The credit card is thru Chase Bank. The offer I had was to get a {$200.00} statement credit after my first purchase ( I got that ) and a XXXX point bonus after charging {$3000.00} within 3 months. 
I completed the {$3000.00} in 2 months. It said to wait up to XXXX weeks for the bonus points. 
. {$3000.00} of charges completed on XXXX staement of XX/XX/year>. 
I sent Chase many emails with several links that show the XXXX bonus points. 
I also showed Chase that XXXX, who tracks many XXXX ofers recommened the offer also. 
My XXXX XXXX card was opened XX/XX/year> and I called XXXX XXXX and they confirmed that the XXXX point bonus was valid thru XX/XX/year>. Chase denies the XXXX point bonus was a part of the offer. 

I also asked Chase to call XXXX XXXX to confirm the offer. They have not called.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT FILE. THIS ACCOUNT IS A CLOSED ACCOUNT THAT IS REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.