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

I disputed an inaccurate credit card on my report for all three bureaus. I disputed the XXXX XXXX credit card for {$7400.00} on my XXXX, XXXX, and Equifax. I disputed the XXXX Bank for {$13000.00} on my Equifax which was removed from XXXX and XXXX. These accounts were reinserted without proper notice. The FCRA states that my information may not be reinserted on your credit file by the credit reporting agency unless the furnisher of the information certified that the information is, in fact, true and accurate. Furthermore, the consumer reporting agency is required to send the consumer written notification within five business days that the information has been reinserted on your account and provide contact information for the company that furnished the information. I successfully disputed and had a delinquent account on my credit report removed. 

The XXXX account in the amount of {$13000.00} is closed, but still reporting. This account was disputed and removed from all three bureaus. It was only reinserted back on my Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX in accordance with the Fair Credit Reporting act Convergent Account # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX # XXXX in accordance with the Fair Credit Reporting act Convergent Account # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX, XXXX Act. # XXXX in accordance with the Fair Credit Reporting act Convergent Account # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Cc XXXX XXXX XXXX # XXXX in accordance with the Fair Credit Reporting act Convergent Account # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX in accordance with the Fair Credit Reporting act Convergent Account # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX & XXXX XXXX XXXX in accordance with the Fair Credit Reporting act Convergent Account # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Convergent Outsourcing XXXX in accordance with the Fair Credit Reporting act Convergent Account # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

On XX/XX/XXXX around XXXX I was being charged multiple times from a company I have never seen, contacted, or used beforehand. The company name that was coming up was XXXX, of XXXX XXXX. I tried searching them up but I met with many other people over the past year being charged from them aswell and, they aswell have no clue as to who they are, how they got there card information as they don't use that card, or how they were charged multiple times from them. I contacted my bank, which is Current, and the first time they told me to wait until it has stopped pending. So I did so and then afterwards when it stopped pending I was also charged for a foreign transaction fee which put me into the negatives. So I contacted Current again and they're are trying to review it at this moment. But they told me that I will not be refunded for my foreign transaction fee as to there account agreement. But I was wrongfully charged by this company and there for I should also get my money back for the foreign fees. So I am contacting cfpb for this.
Product: Checking or savings account

PNC account wa soverdrawn approximately 1300 $ and I have not been reimbursed for funds
Product: Credit card or prepaid card

I have not made a cash advance in over a year and my Wells Fargo bank keeps charging me interest fees every month and when I called and talked to a banker she told me that I will have to pay that fee until I pay the entire credit card balance off. I don't quite understand that when I am paying a interest fee for my regular purchases which is fair. Example XXXX  Statement : Interest charge on purchases {$11.00} Interest charge on cash advances {$39.00}
Product: Credit reporting 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, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to right a check at the grocery store after banking with XXXX for 5 plus years and frequently writing checks. My check was declined, I was told to contact Telecheck. I contacted telecheck and they advised derogatory information was reporting from a XXXX XXXX acct. I have never had a XXXX acct and explained this several times. They continue to read from a script with no resolution. Several times they asked for the XXXX acct that I had explained several times, I had no business with XXXX. Telecheck referred me to XXXX after sitting in the branch ( 2.5 ) hours XXXX verified I had no debt with them and also advised because I had no account, there was not a letter they could provide me. I called Telecheck advised them of this and requested a supervisor, after being on hold for upwards of 10 mins multiple times hey returned and stated they had no supervisor available. I have explained how their unfair business practice is causing a hardship on my family and may also negatively impact my employment. They refuse to rectify or fix this erroneous information. I need assitance with getting this fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Derogatory accusations including ALLEGED INQUIRIES must be XXXX XXXX compliant to retain or report so delete these not physically with proof of permissible purpose from the exactly and legally identified as me. I did not authorize you to report not proven compliant information and you must comply.. Delete inquiries made by CREDIT INFORMATION S , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Personal loan {$50000.00} These accounts are unauthorized, Fraud!!
Product: Credit reporting, credit repair services, or other personal consumer reports

on date .XXXX ... some call tell my that if i send {$200.00} they send certain amount of money and ibuy a gift card google play and i send them..hes.fhone call he calls for 3 diferents numbers. ; XXXX -- -XXXX -- -- XXXX -- ihope get my money back because im unemploy and i need my refund..tnkyou
Product: Mortgage

I have been trying for the past five to submit a request for assistant for my client who has a reversed mortgage with James B. Nutter & Company. I submitted all of the information requested by the Mortgage company including an authorization to release client information from my office. I was told that they would not use my Authorization, I have to use their own authorization. They forwarded to my their authorization and I completed. Thereafter, I was told that was the wrong authorization, to resend them a letter with my company letterhead that I represented the client along with the original authorization that I sent them the first time. Again, It has been over four months I am yet to be approved by James B. Nutter to get information on behalf of the client. At the present, the property is pending foreclosure. My clients do no want to lose their house. I need your held in assisting myself and my client.
Product: Vehicle loan or lease

I cosigned, through XXXX XXXX, a lease in XXXX for my son. He allowed the vehicle to get repossessed and we were responsible for the remainder of the vehicle value after it was sold at auction. I paid this account in full in XX/XX/XXXX. I have repeatedly called and asked for a paid in full statement and a correction to my credit report. Neither has happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am applying to start my life over again and I am being haunted by misinformation on my credit report in the XXXX XXXX XXXX. In 2011 my bankruptcy was finalized and though the dates and account # XXXX remain incorrect I have had no luck getting into the public records department in downtown XXXX XXXX to have that information corrected. Its been 11+ years and most of those accounts have not been touched for 15 plus years. Please ask XXXX, XXXX XXXX  Equifax to remove the Bankruptcies, once and for all finally, please! Please remove them, I am trying so hard to buy a house and I am haunted by the XXXX XXXX XXXX and no mortgage company will give me the time of day because I have this lingering Bankruptcy with extremely old information haunting me. 

no one should suffer XXXX  years over Chapter XXXX! please! Please in Jesus ' name remove it please. Let me buy my house and, move on with my life. My children need a home.
Product: Credit reporting or other personal consumer reports

Good afternoon, In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late and purpose. 

Please assist! 

Thank you XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have not supplied under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX presume that no proof of the alleged debt. no therefore any such debt in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX  Balance {$25000.00}, XXXX XXXX XXXX  Balance {$1200.00}, XXXX XXXX XXXX XXXX balance {$1000.00}, XXXX XXXX {$650.00}, XXXX XXXXXXXX balance {$9200.00}, XXXXXXXX XXXX XXXX {$12000.00}, XXXX XXXX balance {$33000.00}, XXXX Dept of Ed balance {$11000.00}.
Product: Credit reporting or other personal consumer reports

This is todays follow up to the following cases : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; From your most recent messages ( attached ) it is clear the Experian lacks an understanding of the full scope of its legal obligations. It would also appear that Experian continues to initiate disputes on behalf of consumers not only without their knowledge or consent but even against the consumers demand Experian not do so. 

Experian 's obligations are not limited to Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act. In fact Section 611 ( 2 ) ( 3 ) ( A ) has no relevance to the matter of concern, as it pertains to " Frivolous Disputes '' and the present pertains to information that has been reported to be the result of identity theft. Section 605B is the appropriate portion of the FCRA which outlines Experian 's duties, which include " ( a ) Block. 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, not later than 4 business days ... '' This matter was first brought to Experian 's attention on XX/XX/2023, thus it had until XX/XX/2023 at the very latest to block the information and it did not and still has not. This means that each and every day from XX/XX/2023 through today and continuing until Experian fulfills its legal obligation, it has and will continue to cause me to suffer irreparable harm, including but not limited to severe injuries to my mental and emotional health, extreme and undue hardship including causing me to become homeless since you have been informing prospective landlords and creditors that I am a substantial risk, when I am not, and obstruction of my businesses ability to gain the credit needed to sustain. 

Even if Experian clams to be ignorant of all its obligations outlined in the FCRA, including those which are detailed above, it still would not absolve you of liability for the destruction you have done. When I get behind the wheel of a vehicle, my ignorance of a traffic law doesn't make me not guilty when I get ticketed and found guilty of violating said law, because I have an obligation to understand all that is legally required of me before I can drive. The same goes for Experian. From the day Experian become a credit reporting agency, it became responsible for the legal obligations of such an entity, regardless of how aware or not it might have been of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have tried to get a understanding on why i could not get a free credit report in which i was denied a credit report and they are wanting me to pay for a credit report and i know that i qualify for credit report every year. i am having to go through a bunch of red tape just to get a free credit report and they want to charge me money just to get a free credit report and score. and they have asked me about things after all these years. and i have provided all the information that needed but still they would not send me my free credit report sent to my address. but i guess i don't qualify for a credit report or score because i am XXXX or maybe because they are using my information against me. when everyone else can have nice cars or a nice house but i know i have not worked all those years for nothing to not have nice things other us citizens. now i am looking a document that says that my credit score was on the date XX/XX/2018 was a XXXX  how in this world did my credit score drop from XXXX to XXXX? but i feel that i am being discriminated against because of my XXXX and i should be able to have nice things like other us citizens. it is wrong for these people to these things to the consumers and i am on a fixed income.
Product: Debt collection

Capital One Bank XXXX are reporting XXXX accounts on my credit report. I have sent them letters asking to validate the date, also my Affidavit from XXXX along with copy 's of the police report and my ID card has been sent requesting to have the information removed from my report. I am not able to get any information from them nor has this information been removed. I contacted XXXX again in XXXX and it has not been removed with all information that was sent to them but information is still reporting on XXXX. I need help with getting this information reported as to I do not owe this debt
Product: Credit card

I have been receiving ongoing promotional mailings from Bank of America card. I do have a credit card account with them but I no longer want to receive promotional offers. I never signed up to receive them. They are coming way too frequently and are taking up my small apartment mailbox. I've been trying to reach someone on the phone but it is impossible to get through to anyone which is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached to this complaint is a Federal Trade Commission Identity Theft Report. The following accounts, public record and credit inquiries listed on my XXXX XXXX, XXXX, Equifax credit report, are not my accounts, public record or credit inquiries : XXXX XXXX XXXX XXXX, {$370.00}, XXXX XXXX XXXX XXXX, {$3700.00}, XXXX XXXXXXXX XXXX XXXX  {$2000.00}, XXXX XXXX  Bankruptcy, XX/XX/XXXX, Reference Number : XXXX, XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, and XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I appreciate you taking the time to UPDATE some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the TransUnion Credit Bureau to validate these accounts ( A ). I hope these disputed accounts are updated. 
I've talked to the bank & they've agreed to update the accounts. BUT TransUnion has some internal block which they're claiming they can use to not update the accounts because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy ... ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Transunion 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 items of information contained in a my file at Transunion 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. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$10000.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXXXXXX Open Date XXXX XXXX, XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

TransUnion is providing outdated information to my creditors. Although delinquent items have been removed from my credit report, my creditors are receiving information directly from TransUnion stating that I have delinquent items on my credit report. There are no delinquent items on my credit reports when I view them, however TransUnion is providing incorrect information to my creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my formal complaint that the credit Bureaus ( XXXX, XXXX and Experian ) are reporting an inaccurate and incomplete information on my credit report. In accordance with the fair credit reporting act XXXX account # below has violated my rights.These account notation of the following late payments is inaccurate. I have never been late. 

15 USC 1681 section 602 States I have the right to privacy. 

15 USC SC1681 section 604 a section 2 it also States a consumer reporting agency can not furnish a an account without my written instructions. 

15 USC 1666B A creditor may not treat a payment on a credit card account under a open in consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my most recent TransUnion credit report I noticed multiple discrepancies. 

XXXX XXXX XXXX XXXX was added to my credit profile in XXXX of 2020, XXXX of 2020, XXXX of 2020, and now has has been reinserted under a new name XXXX XXXX XXXX  XXXX. Even though the account has been sold to put folio recovery and associates.This is a violation of FCRA rules. 

Please see attachment ; XXXX XXXX XXXX XXXX what's remove or deleted for reporting inaccurate unverifiable account. However the company has reinserted the same account under the new name XXXX XXXX XXXX  XXXX. However, the company 's name and address is still associated with XXXX XXXX XXXX XXXX. Located at XXXX XXXX XXXX XXXX Virginia, XXXX. This information is misleading and fraudulent a violation of sec 809b of FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022 I filed a complaint with Equifax, XXXX, XXXX and I didn't receive a response back until back. Today 's date XX/XX/2022, this date is way passed the 30 days time frame allowed. i am requesting these following items be removed from my report 1. ACCOUNT NAME : XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This account is duplicate with multiple listing as open error please delete inaccurate. ACCOUT NAME : 1. XXXX XXXX BAL : {$150.00} charged off listed 2. ACCOUNT NAME : XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} 3.. ACCOUNT NAME : XXXXXXXX XXXX XXXXXXXX XXXX BAL : {$1000.00}. ACCOUNT NAME 4. XXXX XXXX XXXXXXXX XXXX XXXX {$2400.00} 5..ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX BAL : {$0.00}
Product: Credit reporting or other personal consumer reports

Failure to Investigate Properly 611 ( a ) Keep Repeatedly Reporting Inaccurate Information 623 ( a ) ( l ) Failure to Delete Inaccuracies 611 ( a ) ( 5 ) WILLFUL NON COMPLIANCE 616 Fraudulent Misrepresentation 623 ( a ) ( l ) ( B ) Failure to Provide VERIFICATION 609 ( a ) ( l ) You have REPEATEDLY VERIFIED AS ACCURACY ON ALL FRAUDULENT ACCOUNTS, YOU we're just previously sued by CFBP FOR the same thing your doing to me now, I demand this matter be handle professionally. 

Please see ATTACHED DOCUMENTS ( XXXX )