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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XX/XX/year> EXPERIAN Subject : Formal Complaint Unauthorized and Inaccurate Reporting of XXXX XXXX Bankruptcy To Whom It May Concern, I am writing to formally dispute and request the immediate removal of a XXXX  XXXX bankruptcy that has been inaccurately and unlawfully reported on my credit file. This reporting violates my privacy rights, as well as my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and other consumer protection laws. 

Upon reviewing my credit report, I discovered that [ Credit Reporting Agency Name ] has included a XXXX  XXXX bankruptcy that I did not authorize to be reported, and it has caused significant harm to my financial reputation. Furthermore, despite my previous requests for deletion, your agency has refused to remove this information, violating my consumer rights. 
Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the maximum possible accuracy of the information they report. Any inaccurate or unverifiable information must be removed under 15 U.S.C. 1681i ( a ). Additionally, the FCRA limits the reporting period of bankruptcies to no more than 10 years from the filing date, per 15 U.S.C. 1681c ( a ) ( 1 ). If this bankruptcy has exceeded this time frame, your continued reporting is unlawful. 

Moreover, the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801-6827, provides privacy protections for consumers by restricting the sharing of sensitive financial data without proper authorization. If this information was obtained or reported improperly, it constitutes a violation of my privacy rights under federal law. 
Therefore, I demand that you : Immediately delete the XXXX  XXXX bankruptcy entry from my credit report. 
Provide written confirmation within 30 days of the deletion. 

Disclose the source of the reported bankruptcy and evidence of its accuracy. 
Failure to comply with these demands will leave me with no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. Furthermore, I reserve the right to pursue legal action for violations of my consumer rights under federal law. 
Please respond to this request within 30 days, as required under the FCRA. I expect immediate corrective action and written confirmation of the resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, inquiry on XX/XX/year> ; has violated my rights. 15 u.s.c. 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 604 A. Section 2 : it also states a credit 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 may make any consumer report containing any other adverse items of information, other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : A person shall not furnish any information relating to a consumer to any credit reporting agency if the person knows or has reason to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

There is incorrect personal and contact information on my consumer credit reports. There is also information reported and inquiries made that I have not authorized. Please see attachments
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax on numerous occasions via telephone in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I also disputed multiple inaccurate inquiries online and via US Mail. They replied each time that all inquiries are factual when in case they are not. I have a fraud alert on my credit report and unauthorized inquiries that I absolutely did not authorize after several failed attempts with Equifax they have not deleted any of the inquiries. I am trying to purchase my first home and having so many inquiries on my report is slowing down the purchase process.
Product: Credit reporting

This debt was with XXXX I had XX/XX/XXXX. I became XXXX and lost my job so I could no longer pay this account. My bill was {$280.00}. I pulled my credit report bacause I want to try and fix what I can. I saw this account was sold to XXXX and now they reported that I opened this account XX/XX/XXXX which is false and that I owe them {$460.00}. It also resets the clock on this old debt and will stay on my credit report for another 7 years. This is wrong and affects me terribly.
Product: Credit reporting

XXXX SUPERIOR COURT DOES NOT HELP RESOLVING THIS ISSUE. I 'VE TRIED SEVERAL TIMES IN THE PAST YEAR AND A JUDGEMENT REMAINS ON MY CREDIT REPORT ERRONEOUSLY. XXXX IS THE NAME OF INDIVIDUAL THAT PLACED THIS ON MY REPORT. PLEASE REMOVE THIS FROM MY CREDIT REPORT. THANK YOU The piece of information that is wrong that is showing is the name XXXX.
Product: Debt collection

XXXX XXXX XXXX Original Creditor Company Sold Account Type Cell Phone Date Opened Open/Closed XX/XX/XXXX Closed Status Status Updated Collection account. {$2400.00} past due as of XXXX XXXX. 
XX/XX/XXXX Balance Balance Updated Paid Off {$2400.00} XXXX XXXX, XXXX Section 604 15 U.S Code 1618B Section 605 A 15 U.S Code 1618 C-1 Section 605 B 15 U.S Code 1618 C-2 It is legally for XXXX XXXX to charge off a credit file the loss on their and paid by taxes XXXX XXXX can not continue to collect on an account that was paid by loss It is illegal to seek payment for debt twice It is also identity theft to continue to access my report using my personal information to report Derogatory information late payments charges or delinquent claims My rights to privacy have been violated.
Product: Checking or savings account

Capital One reported a power a technical issues affecting some direct deposits. This technical issue happen on Wednesday XX/XX/year> I wasn't notified until Friday XX/XX/year> in a email. I contacted Capital One and was on hold for over 2 and a half hours they advised me the issues is being worked on and I should have my direct deposit by the end of day today XX/XX/year> sorry for the inconvenience. As if XXXX XXXX  I have yet to receive my direct deposit of my pay check. This is more then an inconvenience when you living pay check to pay check and have bills to pay and food to buy. As I try to keep up with what's going on I read on the internet that the third party company XXXX XXXX that Capital one is blame this on reported they fixed the power outage they had and blaming the issue on Capital One.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never finished the program and never received a refund. I am on an income based repayment plan and it still showing on my credit.
Product: Credit card or prepaid card

Every month I have paid my Discover Credit Card bill. I paid it in full on time, if not before, sometimes even multiple times a month. However, this past month I paid the minimum amount FOR THE FIRST TIME, when it was due. I have since called Discover to make sure I have never been late or missed a payment, in which they responded that is correct. I I received an email a few days ago from XXXX XXXX that said, Discover had closed my account and it took a hit to my credit. I called Discover in which their response was there was unusual payment activity. Basically what happened, this past month I was stretch thin so I was nearing my credit limit and my XXXX put their monthly charge through, it was declined because it went over my limit. Which is fine. My XXXX pushed it again, which was declined. Again, no problem. At this time I had paid the minimum so I was still in good standing with Discover. I received three ( 3 ) separate emails from Discover : One ( 1 ) saying they have stopped reoccurring charges. Two ( 2 ) saying they had declined payments from my XXXX. Three ( 3 ) there was a message in a secure inbox to check ; which said they were closing my account due to unusual payment activity. Discover never called me to verify those were my charges or anything for that matter. They simply wrongly and falsely closed my account when I had been in good standing as far as payments go, which in turn took a hit to my credit. I have tried to right this wrong with Discover in which they have said there is nothing they can do once the account is closed and the decision is final. This is scary because I can not be the only consumer they are doing this to right now, its wrong.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I mailed via USPS certified mail a Letter requesting the following below : 5-day period specified in 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ) begins after the credit reporting agency ( CRA ) completes its reinvestigation of the disputed information on your credit report. 

**Subject : ** Request for Compliance with FCRA 5-Day Notification Requirement and Description of Reinvestigation Procedure **Re : Account Number XXXXXXXX XXXX  Dear Sir/Madam, I am writing to formally dispute the accuracy of the information provided on my credit report related to the above-referenced account. I have previously disputed this information, and the results of your investigation indicated that the information was " verified as accurate. '' However, I have reason to believe that this verification was incorrect or incomplete. 

Legal Obligation Under 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ) Under 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ), when a reinvestigation is conducted, the credit reporting agency is required to provide the consumer with written results of that reinvestigation within 5 business days of its completion. Additionally, the consumer has the right to request a description of the procedure used to determine the accuracy and completeness of the information, including : 1. **The business name and address of any furnisher of information contacted** during the reinvestigation.

2. **The telephone number of such furnisher, ** if it is reasonably available. 

Request for Immediate Action Given this legal context, I am requesting the following : 1. **Written notification** of the results of the reinvestigation within 5 business days of its completion, as required by law.

2. **A detailed description of the procedure** used to verify the accuracy and completeness of the disputed information. This should include : - The business name and address of any furnisher of information contacted.

- The telephone number of such furnisher, if available.

3. **Clarification on whether an interview was conducted** with the business or entity that furnished the information during the reinvestigation process. If an interview was conducted, please provide details regarding the scope and findings of the interview.

Consequences for Non-Compliance Failure to comply with these legal requirements could result in statutory penalties, including damages and attorneys fees, as provided under the FCRA. I expect that you will adhere to these legal obligations and provide the necessary documentation within the legally mandated time frame.

Conclusion Please confirm receipt of this letter and ensure that the reinvestigation and corresponding notifications will follow the procedures required under the FCRA. Your prompt attention to this matter is greatly appreciated. 

Thank you for your cooperation. 

Sincerely, my name was inserted here On XX/XX/year> the letter was received and as of XX/XX/year> I have not received any correspondence from XXXX with details on the investigation and by law they only had 5 days to respond which it has been over that time period
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 NumberXXXX Account Name : XXXX  XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX  Account NumberXXXX  Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX Account Number:XXXX has violated my rights . Or a 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: Money transfer, virtual currency, or money service

We received notice from Square that they " recently reviewed [ our ] account and found activity that our platform is unable to support. Because of this, we are sorry to inform you that your Square account is now deactivated. '' In addition, the email went on to say " Any funds currently in your account balance will be held for a period of 90 days, and are due to be released to you within XXXX business days after XX/XX/2023. '' We are a small XXXX XXXX XXXX XXXX XXXX XXXX that needs all of the funds that our patients have paid. We used Square solely so patients with health or flexible savings accounts could pay for our services with their cards. We are licensed by the state of XXXX  as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We are also licensed by the federal XXXX XXXX XXXX XXXX XXXX XXXX and are accredited by XXXX, an international accreditation board. There is nothing suspicious in any way about our business, the manner in which it is conducted, or payments made to us. 

I called to see if there was a misunderstanding that could be corrected, but was informed that Square has a policy of not informing anyone, including our organization of why they deactivated our account and seized our lawful funds.

I believe that if Square is going to seize our funds and hold them with no interest paid for 90 days they should have to provide some justification for doing so, which they again have refused to do. 

I appreciate your assistance in this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

XXXX is not reporting payments made to my Student Loan. XXXX has not reporting any of my employments. Also XXXX just dropped my credit score by XXXX points with no indication as to why it dropped so dramatically. Also through XXXX there is a hard inquiry for XXXX which I have never iquired about. I also have XXXX open collections which have been paid off that XXXX has not removed from my credit report. XXXX is truely the worst credt bureau to have to deal with.
Product: Credit card

I use a XXXX / Barclay credit card to make a XXXX purchase back on XX/XX/XXXX. One of the benefits of using this credit card to pay for the XXXX is {$100.00} credit. Since last year I have been calling several time to inquiry as of why the credit has not been posted to my account after XX/XX/XXXX. There are constant excuses and the last time I call ( 2 weeks ago ) a representative told me that the request was made manually and it will be on the account not later than XX/XX/XXXX. So far no credit.
Product: Credit reporting or other personal consumer reports

I never authorized these XXXX companies the rights to pull my credit. I don't recognize any of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2017, I contacted Quicken Loans to understand if I could do a cash-out refinance on my primary residence, which at that time I had owned for eight months. I wanted to get a quote from them, given that I had already gotten a quote from a local lender in the state of Washington. 

I initially talked to XXXX XXXX on the phone, Senior Mortgage Banker, and told them that I had already done my research about cash out refi Jumbo Loans. Specifically, I told him that other lenders that I had previously contacted wouldn't offer me that product since I had to have ownership of the property for at least one year. Apparently, this was not a black and white rule, and different lenders had different policies. 

XXXX XXXX XXXX told me that I was perfectly eligible for a Jumbo Loan cash out refinance, and the fact that I had lived in the property for eight months was not a problem. Once he said that, I decided to proceed and move forward. Long story short, this ended up being a nightmare and a waste of time. About three weeks after I applied, another employee from Quicken Loans told me that I wasn't eligible for the cash out Jumbo loan refinance. 

I ended up getting my refund for the application fee and the appraisal. However, I still have at least three hard inquiries on my credit report ( see list below ) that I would like to be removed since this company 's practices were deceptive at best. 

XXXX XXXX : XX/XX/2017 XXXX XXXX : XX/XX/2017 XXXX XXXX XXXX : XX/XX/2017
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid the settlement offer of {$330.00} with confirmation XXXX. I was told on a recorded call the debt would be deleted from my credit report upon payment of the settlement.
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I submitted a form to have my loans consolidated XX/XX/XXXX to aid advantage. I contacted XXXX XX/XX/XXXX and I was told it was not processed and could not be processed. I was given no clear answer but was told I would have to start the process over. I was told by the customer service rep that she can see the application but again I would have to start the process over. I have currently XXXX payments and I have applied for public service loan forgiveness. The customer service rep at XXXX also told me there was nothing that she could do and for me to submit the consolidation application again to studentaid.gov.
Product: Payday loan, title loan, personal loan, or advance loan

We contacted a company named XXXX to potentially help us build an XXXX  on our property. We began the consultation and planning process based upon an advertisement of 18 month interest free financing for the project with an exclusive loan program. We applied for the personal loan in XX/XX/year> with Mosaic and were approved for XXXX. Within the same month we cancelled the construction project with XXXX. In XX/XX/year> we received a bill from Mosaic regarding interest accrued on the loan we applied for in XXXX. Apparently the full XXXX loan amount was sent to XXXX back in XXXX. Even though we do not recall authorizing the loan payment, nor did we use the funds. We contacted Mosaic to dispute the charges. They stated since the loan was paid to XXXX, and that company would need to return the funds. We were given a case # XXXX. Mosaic has refused to help us remedy the situation even though we dispute authorizing a payment in full to the construction company, before they even began work on the project. We have been attempting since XX/XX/year> to have the loan funds returned back to Mosaic. We have been mislead for over 6 months by the financial and accounting depts at XXXX that the funds would be returned. We asked for the refund in full, and they have stop returning my calls or emails. This is fraudulent loan and business practices..
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I need proof from XXXX that I owe XXXX I need validation
Product: Debt collection

I incurred an emergency room bill after being injured while attending a funeral outside of my home state. Days after I was treated, the hospital closed and did not file the invoice with my insurance company. Instead, a collection company, RMC, was given my file to collect in full without any insurance filing. I have spoken to RMC directly several times, and at one point, provided them with the name and number of a representative at my insurance company who said she would be glad to assist them in getting paid for my claim but RMC did not follow through on that and instead, opts to constantly call and write while each time I tell them that I have insurance that would pay this in full. They are using harassment techniques rather than simply filing the claim or having the hospital file the claim. I do not know how to help them help themselves, and neither does my insurance company. They need to do what 's right.
Product: Credit reporting or other personal consumer reports

Trying to buy a car and house. There are numerous negative accounts on my credit that is damaging my application in which according to 15 US Code 1681 nothing on my credit should be damaging to me personally.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th 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 alleged fraud or extortion. 



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