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

Hello on XX/XX/2023 I sent out letter to credit bureaus to " INVESTIGATE EVERY PIECE OF INFORMATION '' on my accounts I have listed below. Also I have attached the letters I sent out and also here is the tracking number : XXXX # XXXX Experian # XXXX XXXX # XXXX According to the FRCA the Term " INVESTIGATIVE CONSUMER REPORT '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted with or who may have knowledge concerning any such items of information.

They have stated my accounts was " VERIFIED '' but how is this possible if they did not do a proper investigation according to the 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. Also I have the credit report showing these inaccuracies. 

List of Accounts XXXX 1.XXXX XXXX Account Number : XXXX 2.XXXX XXXX Account Number : XXXX 3. XXXX XXXX Account Number:XXXX  Experian 1.XXXX XXXXXXXX Account Number : XXXX 2.XXXX XXXX Account Number : XXXX 3.XXXX XXXX Account Number : XXXX XXXX 1.XXXX XXXX Account Number : XXXX 2.XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Credit Report XXXX XXXX XXXX of Bankruptcy XX/XX/2023 Bankruptcy Type XXXX  XXXX Creditor Name Equifax I believe that this bankruptcy information is incorrect for the following reasons : it does not belong to you. I never filed a XXXX  XXXX bankruptcy in XXXX of XXXX  I request that you investigate this matter and remove the inaccurate bankruptcy information from my credit report as soon as possible. Please send me a written confirmation once the investigation is complete and the necessary corrections have been made to my credit file. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any further information or clarification.
Product: Debt collection

This collection agency its collection burea in XXXX has been on my report many times different items .... i have been trying to clean up my report and get the late marks and the other bad marks off.my report. These.people have sent me forms and now they are stating they are marking their items as disputed. And that is another bad mark against my file ... .... i do not want them to damage my credit and my life. I do beleive they have changed the date when it was posted i have my old credit reports showing different.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have 2 payments showing past due on my account from XXXX and XX/XX/2002 as I dealt with the death of my Father. I had never been later before and had not been late since and was told they would remove it almost a year ago and it has yet to be removed. Was told today by the company it was up to the credit bureau and I needed to file a dispute. I did that over 3 months ago and the credit card company still has it still reporting the same after I had a conversation with them and was told it would be removed because they had seen how my payment history was and has been since opening up my account with them.
Product: Checking or savings account

I used funds in my BB & T bank account to make a {$6100.00} payment to the XXXX XXXX XXXX XXXX for a cruise. On XX/XX/2020, the company sent to me an email, notifying me that the cruise was cancelled and offered to me a 125 % credit. On that same date I declined the credit offer and requested a full refund. After several subsequent attempts to obtain my refund, I filed a dispute on the payment with BB & T and requested that they reverse the payment back to my account. 

The bank responded to my dispute by stating that, since I had received some value for the payment, the bank would not reverse the payment. I wrote to the bank on XX/XX/2020, stating that I did not receive anything from the company except an offer for a 125 % credit, which I immediately refused and immediately requested a full refund. Since I have not received the refund, I asked the bank to explain what other benefit I derived from the payment. The bank has not responded further.
Product: Debt collection

I was XXXX XXXX in the XXXXXXXX XXXX XXXX and transported to the XXXX XXXX XXXX on the date of XX/XX/XXXX and did not get out of XXXX  until XX/XX/XXXX of XXXX. I was XXXX  in a XXXX at the time this service was used. There is no possible way for me to be using any service or outside contact when Im literally locked in a box. XXXX and XXXX  are not deleting this off credit but it is stated by XXXX  that it was removed from the debt collection agency Wakefield associates. Further more I have a letter from the record office in XXXX Missouri that I will attach that also states that I was in there XXXX  at this time. Please can you make sure this gets removed from all three credit bureaus. I am trying to buy a house and this just was added to my credit reports out of no where. Thank you for your time m
Product: Credit card or prepaid card

I used Sapphire Chase Card points to book a trip to XXXX ( XXXX Confirmation No. XXXX ) on XXXX XXXX. It was cancelled due to Covid-19. 
I received the money refund from Chase, but they never refunded my XXXX points to my credit card. 
I have asked 3 or 4 times for them to refund the points. Each time they assure they will do it and never do. 

I want my Chase Sapphire Account to reflect the correct points available.
Product: Credit reporting or other personal consumer reports

I am formally requesting the elimination of this inaccurate account from my XXXX XXXX. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.
Product: Student loan

I have been with 1file.org for two years was going on three. Before coming to an agreement of consolidation, I asked did they provide the loan debt forgiveness program. I was told the positively offer loan forgiveness. I made a large first payment then {$39.00} a month. I recently received an email two months ago to not make payments to this company due to legal actions. Come to find out they wasnt certified to offer loan debt forgiveness. I made a payment {$150.00} for recertification which was due XX/XX/2019. This became an issue being that I was thinking I was moving forward with a process to clear up this debt. Now I am trying to figure out how to recover the money they took from me which could of just went towards my student loan.
Product: Student loan

My loans are repeatedly sold and resold without my knowledge! I 've been paying ( actually overpaying ) faithfully for well over 2 years now, only to learn that I am in " default '' with XXXX and ECMC because the latter sold to the former ( without my knowledge ) and payments continue to go to the latter. THIS HAS GREATLY AFFECTED MY CREDIT RATING NEGATIVELY and has caused great financial and professional injury. Moreover, ECMC, the lender I came to terms with years ago and continue to send a check from my bank weekly, FALSELY REPORTS A HISTORY OF NON PAYMENT LEADING TO CHARGE OFF STATUS, as does my current loan servicer XXXX. I 've never had any way of knowing that XXXX now services the loan ( s ) until a check of my credit score, EVEN AS I WAS IN DIRECT AND REGULAR CONTACT WITH ECMC, who I had been paying faithfully. Finally, ECMC lied to me when telling me that if I paid faithfully ( no payments missed and on time ) for " 6 months '', all derogatory entries regarding the loans would be removed and loans would appear as " good standing ''. THEY DEFRAUDED ME IN THIS RESPECT AS WELL. They never did what they promised, even as I have NEVER MISSED A PAYMENT and have paid them WEEKLY ( a check every week ), when I was only required to pay them monthly - cashiers checks from XXXX XXXX - ( did this to ensure I would never miss a payment ) .This is unfair, unjust and should be investigated as illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

For some reason when I pull history of my credit I get a name of XXXX XXXX that's not my name
Product: Checking or savings account

XX/XX/XXXX my Wells Fargo account had three unauthorized fraudulent checks deposited from a location I was not in. I was celebrating the XXXX of XXXX with my grandparents in Arizona upon my immediate familys return from overseas. The checks were deposited on XXXX XX/XX/XXXX in Illinois. When I had withdrawn money from my account, I did not find it suspicious. I believed it was my money to pay my student loan or spend however I see fit. It wasnt until days later that I was notified of the checks. My parents and I requested documentation and forms to support the overdraft claim. I looked at the checks and my name was incomplete and my signature was incorrect. I then requested to submit these accounts to be investigated and later Wells Fargo claimed I was at fault because of the withdrawal. After I joined the military, I attempted to call and request more information. I gave up and began to look into paying the amount to clear my name. When I attempted to call the fraud department through Wells Fargo with the claim numbers, the department stated they had no information. This took place in XXXX XXXX XXXX, Tx. I have not received any other information towards this issue until my grandmother sent me a picture of a Form 1099-C stating I must claim the Overdraft Account amount on my XXXX taxes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi My name is XXXX XXXX and I want to bring the attention of CFPB and the Credit Agency some Unauthorized inquiries were revealed when I just analyzed my credit report. I contacted the following creditors, and they have no documentation that I began such queries, nor have they provided any written permission, and they have failed to present any permissible reason. Although they do not have my written or verbal consent, I request that you DELETE these approved queries from my credit report as soon as possible, as there is no proof of any authorization or legal reason.According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15U.S. Code 1681b in general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 

The following inquires I have not done business with : Creditor : Capital XXXX { Date ] XX/XX/2021 Creditor : XXXX XXXX { Date ] XX/XX/2021 Creditor XXXX XXXX XXXX { Date ] XX/XX/2021 Creditor : XXXX XXXX { Date ] XX/XX/2021 Creditor : XXXX { Date ] XX/XX/2021 Creditor : XXXX XXXX XXXX [ [ Date ] XX/XX/2021 Creditor : XXXX XXXX [ [ Date ] XX/XX/2021 Creditor : XXXX XXXX XXXX XXXX [ [ Date ] XX/XX/2021 Creditor : XXXX XXXX XXXX [ [ Date ] XX/XX/2021 Creditor : XXXX XXXX XXXX [ [ Date ] XX/XX/2021 My contact information is provided below, and I have included proof of my ID and current address to avoid any delays in your response time. I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account name XXXX  XXXX, account number 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 states. A consumer reporting agency can not furnish a account without my written Instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed out four dispute letters each to XXXX, XXXX, and Experian, all certified mail, and have not received ANY correspondence although it has been confirmed that my letters have been received via tracking from the United States Postal Service. Each reporting agency also received a copy of my consumer report detailing the many inaccuracies, inconsistencies, missing data, etc. I made sure to point out each and every mistake. 15 U.S. Code 1681i provides the procedure and rules they are to follow when information is being disputed by a consumer. None of this was followed. I do not believe an investigation was ever initiated. I didn't receive any physical letters, emails, alerts, notifications, -nor did I receive a copy of my credit report upon the completion of my investigation as I requested in all of my dispute letters. 15 U.S. Code 1681 ( a ) ( 4 ) states that the reporting agencies are to insure that they exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Section ( b ) further details that the reporting agencies are to carry out these procedures in a manner which is fair and equitable to the consumer, with regard to confidentiality and accuracy. This has not been the case. They have not been fair, and my right to privacy is not being respected. In fact, my right to privacy is being repeatedly violated by the following financial institutions : XXXX XXXX XXXXXXXX ; XXXX XXXXXXXX ; XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX [ The same account is reporting twice! ] ; XXXX XXXX XXXX XXXXXXXX ; [ MAY ALSO BE " XXXX XXXX XXXXXXXX '' ; if not, this is in violation as well ] XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX. There is no confidentiality being that my nonpublic personal information is being shared to nonaffiliated third parties without my permission. I did not provide any of these companies with any expressed consent to furnish information onto my consumer report. This constitutes as identify theft and this is against federal law according to 15 U.S. Code 6801 and 15 U.S. Code 6802. I was never given a clear and conspicuous notice, or the choice to exercise my right to opt out of reporting. Overall, I am not being treated fairly, any my privacy is not being protected by any means. I have wasted money, time, and energy fighting this matter and I really hope you can help.
Product: Credit reporting

Equifax is reporting my SSN incorrectly. When called to get it corrected, they advised that I may fax a copy of my SSN to them to get it corrected. I would prefer to use a method of communication that is A. Available to everyone in the XXXX century, and B Secure. I can not email it via a secure link to anyone, upload it securely or otherwise. All other credit bureaus and the SSN office has it correct, this is an Equifax issue. Equifax is unwilling to assist in getting it resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  Credit Card ending in # XXXX Was inadvertently REMOVED from my Equifax credit report Reached out to XXXX XXXX directly to have it REINSERTED on my credit report As of XX/XX/XXXX, it is still NOT being reported or REINSERTED to my credit file
Product: Checking or savings account

on the XXXX of XXXX around XXXXXXXX XXXX i stopped at the bank of america branch in XXXX, to make a total of XXXX in cash and XXXX in check. when depositing the cash value at the ATM he returned a part to me saying that the total money for a transaction had been reached and then I deposited {$300.00} in check, that's when the ATM froze and secured my card and did not issue the receipt. At that moment I called the number that was at the ATM for assistance and spoke with the assistant named XXXX. he said it was not for me to leave the front of the machine until he said. he reconnected the machine but my deposit was not registered nor returned my mwu card. the technician said he was going to report the case and that I had to ask for a new card and the machine is without access. at that same time i asked for a new card through the bank 's app and went to another XXXX XXXXXXXX agency and made the deposit with the cash reactant i had, because i had to pay the IRS. for the deposit at the XXXX branch I used the XXXX XXXX to access the ATM. I made a claim for the situation but they said that the only deposit I have was the one of XXXX 's never existed. if they checked the ATM video and saw that I was there and also the check for XXXX dollars and my debit card.
Product: Debt collection

This complaint is about XXXX XXXX XXXX XXXX in XXXX, California. These evil vermin saw me a year ago at their ER. They essentially read my XXXX XXXX and sent me home. The bill was over {$4200.00}, for a XXXX XXXX reading! This did not include any actual 'service ', that was all billed separately. Being post-XXXX America, and because I have the audacity to work for a living, I got bills from half a dozen different agencies. Despite attempts to make equal payments to all associated vultures, one slipped through the cracks. After 30 days without a payment these creeps sent me to a XXXX collection agency that is demanding usurious interest. The XXXX XXXX in their receivables department now refuses to work with me to get the account in good standing. Any patient not in immediate life threatening condition should avoid this place at all costs. Better to grab some cash and head to XXXX. They are a den of thieves and thugs. I can not believe this happens in America.
Product: Credit card or prepaid card

Credit card gets declined without warning of any kind even though balance is not even 1/4 th of my credit limit. I have no idea if and or when my card will be declined. Furthermore, after making an ACH payment on my account and supposedly crediting my account they continue to " hold '' payment and not allow card to be used. What and where is my money for 5 or 6 days? Not a single person at Citibank could answer my questions. My agreement says I have an {$11000.00} credit limit but there is no way that can be true if they decline my card with about {$2000.00} in purchases on it ( I pay it off every month )
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 : account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPARTMENT OF DEFENSE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States U 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 ti believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has sold an old debt ( {$1400.00} cell phone bill ) from XX/XX/XXXX-XX/XX/XXXX to numerous debt collection companies as if it was current. I have not used XXXX since that time, as my cell phone carrier. The companies are falsely reporting and then selling to other debt collection companies that is continually affecting my credit, credit scores, and my life! It has reduced my chances of improving my creditworthiness for more than the statute of limitations due for this debt!
Product: Credit card or prepaid card

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process.I 'm not swayed that XXXX XXXX efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
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 XXXXXXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. *** XXXX XXXX XXXX****
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( account number not listed on report ) 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 an account without my written instructions.