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

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the Account that is still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX {$0.00}
Product: Debt collection

I asked XXXX XXXX  for the home owners warranty rate. They gave me the rate and I didn't want the rate and didn't get any coverage. Instead I singed up for another company who give a better rate. I called XXXX XXXX and explained the situation. They keep sending the bill and finally they sent it to collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX sold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system. If no proof found, therefore it must be deleted. 

Public Records : Chapter XXXX Bankruptcy : Bankruptcy. 
Reference number : XXXX
Product: Payday loan, title loan, or personal loan

today XXXX I made a {$12.00} payment when I logged into my account the balance was {$1400.00} after I paid the payment my balance jumped {$1400.00} an increase of {$10.00} that now I am going to have to pay interest on! 

I bet they have charged me several hundred dollars in extra interest screwing me!! 

How can a balance jump after a payment??
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found 30 days late payment on the dates XXXX XXXX XX/XX/2017. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Debt collection

I have a business credit card I have for my business XXXX XXXX XXXX. My business is in control of the account and responsible and its al under the business credit and tax ID. American Express in house XXXX XXXX  XXXX XXXX @ XXXX. They contacted an old employee that had a company card as a user and not administrator authority and was very abusive to XXXX XXXX who no longer is even a credit card user for the company. They were very rude to XXXX and released private info to her about balance owed and even tried getting her to pay the balance due! They gave a 3rd party private info about XXXX XXXX XXXX financials and issues and tried collecting money from somebody whom is not a responsible party or involved with the company in that way. This is a very serious matter and needs to be dealt with as I now have a 3rd party person aware of my companies personal financial situation! They need to be held responsible for this release of private info. They record there calls so this all can be proved with review of this call.
Product: Debt collection

Received a phone call XX/XX/XXXX from Lockhart , Morris & Montgomery INC stating they were attempting to collect a medical debt. I had no knowledge of this account and asked for information of the debt. They said it was for service XX/XX/XXXX at XXXX XXXX XXXX XXXX and I advised that I have never been ven heard of this medical facility nor been to a facility during that time frame. It is not even the hospital nor medical facility in my county. I advised that this is fraud and they stated it was not reporting to my credit bureaus and they would submit for dispute. Then days later it is reporting on my XXXX report. I attempted to dispute through XXXX which had been no help whatsoever. I have been lied to by this creditor who said it was not going by to report on my credit and have suffered a massive impact to my credit report.
Product: Credit reporting or other personal consumer reports

This is not the first time I have found inaccurate information on my credit report. The three credit bureaus are required to verify these accounts. It is unacceptable to report these accounts as unconfirmed without validating them within the legally mandated time frame. The following incorrect information on my credit report needs to be investigated, amended, or completely deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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 : XXXXXXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX  Account 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: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off XXXX. I told the credit bureaus to " investigate every piece of information '' on the accounts. Because I have noticed inaccuracies and can provide screenshots. I also never opened these accounts and some of them been opened on my credit report for over 2 years. I am a victim of identity theft. I have a FTC report I can also provide. Thank you. 
I have listed below. Also I have attached the letter I sent out and here is the Tracking # XXXX. 

According to the FRCA The term " investigative consumer report '' means a cosnumer report or portion thereof in which information on a consumer 's character, general reputation, personal charactersistics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reporter on or with others with wom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my accounts were verified but how is that possible if they did not do a proper investigation according to law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. 
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
Product: Debt collection

Monterey Financial services pulled my credit without having an SSA 89 from me. they did the same to my wife as well. The SSA 89 is to prevent the misuse of anyone 's social security numbers and is only good for one use and expires after 90 days from date signed and pulling without one on file constitutes as identify theft.
Product: Checking or savings account

On XX/XX/XXXX, someone got into my XXXX account and made XXXX unauthorized withdrawals, The first transaction was for XXXX and the second one was for {XXXX totaling {XXXX I reached out to my bank which is Fifth Third Bank and notified them that it was not an authorized transaction, they told me they would do an investigation and I would get my money back within 7-10 business days, I waited and waited and didn't hear back from my bank, on XX/XX/XXXX the same person or company came back again and tried to make another XXXX more transactions of XXXX XXXX XXXX XXXX  On XX/XX/XXXX they processed another transaction of XXXX but this one was reversed by the bank on XX/XX/XXXX, I reached back to Fifth Third bank for a follow-up, and l was informed that unfortunately, they were unable to help me get back my money since I reported the issue after XXXX hours, They explained to me that they have a policy that states that if you don't report a fraud transaction on your account within XXXX hours you lose your money, I was informed that at this time I was going to lose the money and was advised to close my account as someone had access to it, This policy was never explained to me at the time of the account opening and neither of the people in the bank knew about it, I just want my money back and I don't feel like the bank is being fair, also I don't want the same situation to happen to anyone who has a XXXX  account with XXXX Bank,
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX XXXX XXXX Balance : {$69000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I checked my credit report for the XXXX time only to discover that there was a claim of debt that was not true. I have called and requested verification of the debt and they said they would e-mail a bill. I am claiming that the bill was never an agreed upon total and I am requesting some substantiation of the bill, but they can provide none and refuse to remove the account.
Product: Checking or savings account

On XX/XX/XXXX I noticed that I had an NSF Fee of {$72.00}. I called to ask why and I was told that I was overdrawn because I had a PENDING monthly charge of {$9.00} from XXXX. On XX/XX/18 I was charged an additional {$36.00} after the XXXX charge changed from Pending. I called again to ask why and I was told that this charge was from the XXXX charge of {$9.00}. When I confronted the representative and told her that the last person I spoke with had told me that the initial charge of {$72.00} was for the XXXX charge, she changed her story and could not explain all of the charges. Regions bank has been doing this for years and I am ready to close this account. They say that these are normal procedures, but I have accounts with 2 other banks and I never have any problems and do not get charged overdraft fees for pending transactions.
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/2022, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX CAD from my Gemini account to fraudulent investment firm ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

My score with Equifax is still showing the lowest, at XXXX compared to experican at XXXX and XXXX at XXXX I have complained before about their reporting my scores, lowering my scores when balance decreased, and this is STILL not corrected, I am attaching screen shots, showing the following items that have not been corrected, where my balances decreased, and/or collections were removed and Equifax either made no change to my overall score or decreased my score : XX/XX/XXXX decreas and collections removed score up - OK this is good but then : XX/XX/XXXX NO SCORE CHANGE collection removed balance decreased by {$150.00} XX/XX/XXXX Balance decreased by {$680.00} and a collection removed no score change why? 

XX/XX/XXXX - XXXX points balance decreased by {$1.00} why? 

XX/XX/XXXX Balance decreased 13 points, and my balance decreased by {$230.00} why?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX stated that I owe Student loans that I can't recall signing for. The student loans are definite a hardship to my credit report. XXXX XXXX XXXX XXXX Practices are illegal and unfair. They garnished my wages without a court order in which is illegal on the Fair Debt Collection Practices Act 15 USC 1692e 807 ( a ) ( 4 ) .They also did not validate the date by sending any written information which violated 15 USC 1692f 809 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on 15 US code 1681c 2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information resulted from an alleged identity theft, nor later than 4 business days after the date of receipt. These accounts should not be furnished on my consumer report as they are in VIOLATION!! Under 15 us code 1681 b Permissible Purpose of consumer reports ( a ) in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report. NO CONSENT IS IDENTITY THEFT. as a consumer i am demanding the deletion of these accounts from my consumer report IMMEDIATELY.
Product: Debt collection

Capio Partners sent collections notice for a medical debt with dates ranging from XXXX in the amount of {$3900.00} that not only is NOT mine but also according to the hospital does not even exist, nor do the ALLEGED accounts mentioned in reference to the medical debts. I filed a police report with my local police department for fraudulent activity, disputed the transaction with Capio, who was fishing for more information. Unfortunately, I did provide my correct date of birth which I now realize was a mistake as I may be the victim of identity theft. I did not attach documents to this report as I do not want the scam company to have any more information of mine compromised, but I will gladly send all documents to the consumer finance bureau independently for review during the investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX NAMES : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX : XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX COLLECTIONS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX ADDRESSES : XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX AZ XXXX EXPERIAN NAMES : XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX EMPLOYERS : XXXX XXXX XXXX INQUIRIES : XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 COLLECTIONS : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX COLLECTIONS XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

A like 6years ago my purse whent missing along with my cards Bank cards cell phone and important paper work I.D and social security card ever seens then someone has been using my Identity for credit cards or to purchase things i login my XXXX XXXX  and there is a debit collection on there for XXXX XXXXXXXX for credit card for XXXX dollars it's been there for a while it's effecting my credit and I can't buy a home or buy a car because of it
Product: Credit reporting, credit repair services, or other personal consumer reports

I file a bankruptcy XXXX that was later discharge in XX/XX/XXXX  which should not be reported on my credit file without my my permission. And it is very illegal to do so.I also call the courts to try and found out why its being reported and I was told that the courts doesnt provide any information to any of the three bureaus Ive contacting to credits bureau transunion XXXX and XXXX by phone email and mail letters and it wasnt removed from my credit file there are also many inquires that I have any recollection of and I believe to be fraudulent and incorrect and I recently found out someone have been using my information to collect unemployment when Im XXXX
Product: Credit reporting or other personal consumer reports

In response to a critical discrepancy within my consumer report regarding the account named " XXXX, XXXX I write to assert firmly and unequivocally that my report inaccurately reflects a missed payment on this account. I wish to emphasize that all payments linked to this account have been consistently made on time, and I possess irrefutable evidence to substantiate this claim. Moreover, I possess multiple pieces of evidence supporting my assertion. It is imperative that this matter be promptly rectified to ensure the accuracy and integrity of my consumer report in accordance with legal standards. 
Under the provisions delineated within the Fair Credit Reporting Act, specifically 15 U.S. Code 1681e, consumer reporting agencies are unequivocally mandated to adhere to reasonable procedures ensuring the utmost accuracy of individuals ' information. Consequently, it is imperative that this egregious error be rectified without delay to preserve the integrity and accuracy of my credit report. 

I hereby assert, in unequivocal terms, my demand for the immediate correction of the false information pertaining to the alleged missed payment on the account named " XXXX. XXXX Failure to comply with this demand within the next 10 days will leave me with no recourse but to pursue legal action to safeguard my rights and rectify this injustice.
Product: Credit reporting or other personal consumer reports

I called the credit reporting agencies and let them know the inquiries in the documents below are not suppose to be visible on my consumer report. I never gave permission for that. 

Experian - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is considered aggravated identity theft.
Product: Money transfer, virtual currency, or money service

I AM WRITING TO FORMALLY EXPRESS MY COCNERNS REGARDING ZELLE 'S HANDLING OF DISPUTES, PARTICULARY IN LIGHT OF THE RECENT CFPB LAWSUIT HIGHLIGHTING SIGNIFICANT ISSUES WITH THE PLATFORM. DESPITE USING ZELLE NUMEROURS TIMES AND REPORTING DECREPANCIES, MY FINANCIAL INSTITUTION AND ZELLE FAILED TO INVESTIGATE MY CLAIMS ADEQUATELY. THEY INFORMED ME THAT RECOVERING LOST FUNDS WAS IMPOSSIBLE AND THAT TRACKING THESE TRANSACTIONS WAS INFEASIBLE. THE CFBB 'S FINDINGS INDICATE THAT ZELLE HAS NOT ONLY NEGLECTED TO PROTECT CONSUMERS BUT HAS ALSO ALLOWED REPEAT OFFENDERS TO EXPLOIY THE SYSTEM, LEAVING USERS VULNERABLE TO SCAMS. THE LACK OF ACCOUNTABILITY AND TRANSPARENCY IS UNACCEPTABLE AND RAISES SERIOUS CONCERNS ABOUT CONSUMER SAFTEY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reporting this because i have noticed inquiries on all XXXX of my credit reports that I have not authorized or done. These inquiries do not belong to me. 

XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In an attempt to transfer funds from my bank account to my wedding venue coordinator, I was stopped with a message. The message claimed cut ties or inability to link accounts for some odd reason. Please fix.
Product: Credit reporting or other personal consumer reports

I called into Equifax for them to update the inaccurate information on my report. There is 4 hard inquiries that are not authorized and also an account was removed from my credit report resulting in it affecting my credit score going from XXXX to XXXX. I informed the companies rep that reporting inaccurate information is against FCRA laws but was met with rudeness and told that they cant do anything about it.
Product: Student loan

i have been trying to get my student loan out of default, i was promised that the default paperwork would be completed by the end of XX/XX/2018. I tried for three weeks to get someone to send me the paperwork stating my account is no longer in default, i have been to NSLDS to check the status of my defaulted student loans and the status is still the same. Every time i contact XXXX XXXX its the same, you wait on the line for 10-15 minutes with no response, or someone answers and then places you on a call to tell you that they will need to call back, or they promise to call back with an update. 

All i want is to have the student loan status moved out of default because i completed making payments for the 9 months required. I have been paying out of pocket for school and want to place my loans in deferment. 

XXXX XXXX keeps trying going back and forth and making excuses, telling me that i need to sign another rehabilitation agreement, they've told me that i never signed one and once i send them what i have they tell me that one is the correct one. 

I'm not sure why something so simple has turned into a nightmare with no able to help or resolve issues.
Product: Credit card

Ensuring timely payments on this account has always been my priority, never allowing them to become overdue. I am unsure why there are reports of late payment remarks on my accounts. Based on 15 USC 1666b - Billing Error should be corrected.