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

Information pertaining to student loan accounts ending in XXXX are to be excluded from my consumer report. 

15 U.SC. 1681 ( a ) ( 2 ) 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; The term financial institution as outlined in 15 U.S. Code 6809- ( 3 ) Financial institution ( A ) In general The term financial institution means any institution the business of which is engaging in financial activities as described in section 1843 ( k ) of title 12. 

15 U.S.C 1681a ( ii ) ; states a consumer reports does not include any report containing information solely as to transactions or experiences between consumer and the person making the report. Consumer reports are also not to include any authorization or approval of a specific extension of credit ( XXXX XXXX ) directly or indirectly by the issuer of a credit card. 

XXXX whom is the XXXX XXXX XXXX had disclosed the account balances as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are incorrectly reporting me as an Authorized User on the XXXX/XXXX partial account number XXXX. ( Please see page 4 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. I have contacted the bureaus to remove this from my credit report however, I have not been successful. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Credit card or prepaid card

XXXX sent remission letter to XXXX XXXX and Capitol One to dispute two charges {$2400.00} and {$4000.00} on 2 credit cards. 
XXXX Capitol one sent letter stating goods were as described and I could dispute the charges by XXXX which I did and sent by fax with confirmation on XXXX. In that fax I included a copy of my letter of refunding, a copy of the registered receipt from post office and my dispute letter along with the letter from. On XXXX spoke to XXXX he said o needed to send all the info again amd include that we had cslked XXXX XXXX so I sent info on both cases again with fax confirmation. On XXXX I called again regarding crediting the monies back to my 2 cards. Spoke with XXXX @ XXXX XXXX She stated I needed to send copy of sakes purch agreement, how many tubes I had tried to contact XXXX and a second opinion. I asked how to I get a 2nd opinion on a company that scams people she then told me that was optional. I told her she had all that info and she stated they didnt have it on both cases which I know they did. So I asked how can I be assured that this can get to you for the third time and she told me she would send me two separate emails with the two cases that I could upload documents to. On XXXX I uploaded all of the documents west again and included what they were asking for. Additionally, for the third time and uploaded them to the email address that was sent and I have confirmation from both email addresses are the uploads that they received it. I also called back on XXXX @ XXXX XXXX and spoke with XXXX, and she said they had received them. On XXXX @ XXXXXXXX XXXX I spoke with XXXX for 33 min he had trouble finding all the docs so he transferrred me to XXXX. XXXX told me that I didnt file the appeal in time for the {$2400.00} charge. They finally credited back the {$4000.00} account, bit not the {$2400.00} stating I did t send everything in. I stated I sent the exact documentation on both cases so how do you have one and not all of the other. After being in the phone this time around for over and hour and asking to talk to a supervisor while Im at work I told her I would be contacting someone to help with this matter. I used 2 cards for one purchase and they credited 1 card back and not the other which makes no sense. I tried explaining to them even without all the documentation they wanted they are forgetting the fact that I was within my 3 day recession and should have been credited back immediately based on that. 

I am attaching a few files that were sent for both case numbers. I also have the email upload confirmation, but wasn't able to upload at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is driving me INSANE! Please help and do not close this complaint! XXXX XXXX, XXXX Assistant at XXXX ; XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX, XXXX, XXXX have all been made aware of this and are COMPLICIT in this. Laughing and mocking me! They have SENSITIVE information currently stored in their email address inboxes including copies of my : Passport, Drivers License, Social Security XXXX, etc that i'm asking to be deleted and remediated. XXXX blatantly lied to me and told me that " they couldn't find the XXXX XXXX XXXX accounts '' and REMOVED the WRONG ONE that was on my credit account since XXXX! It's insanity! Now XXXX XXXX is calling me threatening to XXXX XXXX! This was supposed to be taken care of in XX/XX/XXXX and WAS PROMISED BY EQUIFAX to be taken off within XXXX hours! They lied! I mailed in my copies, faxed it XXXX times, and each time there is a new issue! XXXX XXXX said they didn't receive info from Equifax yet that it was fraud/ identity theft! A male supervisor at ( XXXX ) XXXX was very kind and helpful last XXXX and told me that the account numbers for the XXXX XXXX XXXX accounts closed on XXXX XXXX, XXXX had been changed and that may be why Equifax can not locate them. Nonetheless, he told me to file an FTC fraud/ identity theft report and then fax it into Equifax and he will take it off IMMEDIATELY! These people have done NOTHING! It takes a maximum XXXX business days to process their faxes and I sent it last Thursday so it's been XXXX business days! Plus they received the previous information XXXX XXXX since XX/XX/XXXX! Yet fail to take any action! Im attaching legible copies of my SSN, Passport, Police Reports, FTC report, XXXX Card, etc once again! And all previous correspondence! I want the CFPB to take action against these people! They're the reason I've suffered from identity theft to begin with! Which is why I won a lawsuit against them almost XXXX years ago! Please CFPB take action against them!
Product: Debt collection

This debt is almost 3years old yet they continue to remove and replace with incorrect dates so that the debt always looks like a new collection. I attempted to pay them years ago but gave up due to there collection techniques now they use improper methods to destroy my credit. I 've had to live with this on my credit for years but it is uncalled for for them to remove it every so often so they can make it look like new debt again.
Product: Credit reporting or other personal consumer reports

Not within FRCA GUIDELINES! They did not need show proof of original debt and how this is proven to be my debt. This is an inaccurate investigation!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently tried to dispute my delinquent payments on my credit file due to my hospitalization. During the time of the aforesaid hardship i was XXXX XXXX and hospitalize  and was unable to make a payment because my accounts did not have autopay setup. I submitted a signed letter from the physician illustrating that i was hospitalize for the time period in question. I also submitted a letter from the nurse who was assigned to my case that supports everything the physician is stating. I got my dispute results back and they denied my request to remove the late payments. I let them know that i was only late because of my hospitalization and would have not been late if i wasn't hospitalize. I tried to dispute the late payments again because i recently got a eviction notice from my current residence. I pleaded with the credit bureaus to remove the late payments because i applied to 10 different apartments in the area with cheaper rent and got denied from every single one of them due to the late payments. I notified them that i will become homeless if the late payments are not removed and i also asked for the investigation to be done promptly because i need to find somewhere to live ASAP. Its been 2 weeks after i sent the notarized letter to the bureaus that gave them 15 days to reply ( 4 weeks in total ). When i pulled my credit file i noticed that their are some inaccuracies on my credit file. Some credit bureaus are reporting the account as delinquent for one month and the other credit bureau is reporting it as in good standing for that same month. This is affecting my ability to find a new apartment or qualify for credit. I would like for my delinquent payments to be removed because i showed them evidence that i was hospitalized and explained to them that i wouldn't have missed the payments if i wasnt hospitalized. I will become homeless if something isn't done and im trying my hardest for my nightmare to not come to pass. Please help because the credit bureaus are not emphatic to my situation.
Product: Credit card

On XXXX, I opted out of receiving unsolicited credit card offers by calling the number provided by Federal Trade Commission. Today, XXXX, I received an unsolicited credit offer from Capital One XXXX Rewards, XXXX XXXX XXXX, XXXX Virginia XXXX. Capital One has violated another opt out I placed a decade ago. It 's marketing is aggressive, unrelenting, and misleading.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 collection agency Franklin Collection Service added a derogatory mark on credit report per XXXX XXXX upon further research, the account was transferred /sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also there is NO written form of communication, contract or signature for the accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, Franklin Collection Service has violated my rights as a consumer and I'm requesting legal action to remove this account immediately
Product: Debt collection

I believe Im being targeted because Im a veteran of the XXXX this company Credit collection service placed a past due debt from originally XXXX and liberty mutual on my credit report without any information given to me or mailed to me. They did not give me a chance to dispute or even pay this before reporting to the credit bureau. I ask them to please remove this asap and give me a email to resolve this issue.I do not have a phone .my emails is XXXX I believe Im currently being targeted because of my race and status. I have had no communication from this collection company whatsoever. Because Im not even in the USA at the moment
Product: Debt collection

On XX/XX/XXXX, I learned that a company called Credit Collection Bureau had filed a negative report with XXXX  and XXXX  claiming that I owed a debt of {$1300.00}, opened on XX/XX/XXXX. On XX/XX/XXXX, I sent a certified letter to Credit Collection Bureau asking them to verify or validate the debt because I do not owe them any money. The XXXX  report said the original debt allegedly was in the amount of {$920.00} and allegedly owed to XXXX XXXX XXXX. Through talking to a XXXX  representative, I learned that this debt actually originated in XX/XX/XXXX, not XX/XX/XXXX. I have never been contacted by XXXX XXXX XXXX or Credit Collection Bureau about owing a debt and therefore these companies never advised me of my right to dispute the debt. I do not owe XXXX XXXX XXXX any money from any services provided in XXXX. All money owed to them was paid by me at the point of service or by my insurance carrier. I also sent a certified letter to XXXX XXXX XXXX requesting information about the billing they claim I owed and the dental office has not responded to my letter. I believe this debt was added to my credit history to attempt to collect on a debt that I do not owe. Further, even if this was an actual bill of mine, they are attempting to collect on zombie debt. I have no way to prove that I do not owe this money when neither company has provided an actual bill for services that I can then investigate further. If the Credit Collection Bureau will not respond so that I can validate the debt, then I want them to remove their negative report from my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checking account today and i noticed someone used my information to get loans and call about some stuff without my consent i have to provide for my family & my credit is something i depend on to get by. 

If my report doesnt look accurate or up to date Iasked that the accounts be removed immediately.
Product: Credit reporting or other personal consumer reports

I am resending this complaint to TRANSUNION regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. 

I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed. 

XXXX XXXX XXXXXXXX Balance Owed : {$2300.00} Date Opened : XX/XX/XXXX XXXX XXXXXXXX Balance Owed : {$1300.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed XXXX {$2500.00} Date Opened : XX/XX/XXXX XXXX XXXX  Original Creditor XXXXXXXX XXXX XXXX XXXX Balance Owed : {$1200.00} Date Opened : XX/XX/XXXX XXXX XXXX  Original Creditor XXXXXXXX XXXX XXXX XXXX Balance Owed XXXX {$740.00} Date Opened : XX/XX/XXXX XXXX XXXX  Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$860.00} Date Opened : XX/XX/XXXX XXXX XXXX  Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$690.00} Date Opened : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding the inaccurate reporting of multiple late payments on my credit report. These creditors have falsely marked payments as late, even though they were made on time. This incorrect reporting is unfairly damaging my credit score and causing unnecessary financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX Account XXXX XXXXhas 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 I did not give, written or verbal consent for this account to be opened.
Product: Debt collection

I called them to ask them who they are and when did we do business. They could not provide me with any of this information. The company name is LVNV Funding Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15usa 1681. XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX {$650.00} Account # 2 NCA XXXX XXXX {$380.00} Account # 3 XXXX XXXX  XXXX {$350.00} Account # 4 XXXX XXXX XXXX {$320.00} Account # 5 XXXX XXXX # XXXX {$380.00} Account # 6 XXXX XXXX # XXXX {$540.00} Account # XXXX PXXXX XXXX # XXXX {$470.00} Account # 8 XXXX XXXX XXXX {$330.00} ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} Account # XXXX XXXX XXXX XXXX XXXX {$350.00} Account # 11 XXXXXXXX XXXX XXXX XXXX # XXXX {$320.00} Account # 12 XXXX  XXXX XXXX XXXX XXXX XXXX {$450.00} Account # XXXX  XXXX XXXX XXXX XXXX XXXX {$640.00} 15U.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 state a consumer reporting agency can not furnish a account without my written instructions
Product: Money transfer, virtual currency, or money service

Between XXXX XXXX and XXXX, XXXX, I fell victim to a multi-layered scam operation run by XXXX XXXX XXXX, which involved me making deposits for a total amount of XXXX USD from my Gemini account to fraudulent investment firm ( s ). 
Description of the Incident : I have been investing with XXXX XXXX XXXX out of XXXX, XXXX  since the end of XXXX. Invested over {$200000.00} while doing margin trading with XXXX XXXX ( Analyst ) and recently also communicated with XXXX XXXX ( Finance Dept. ). I tried to withdraw {$270000.00} from the account on the XXXX platform to transfer to my Gemini account and was given several excuses but was finally assured the funds would be received in my Gemini account. Needless to say, the funds were not there and my analyst and finantial representative are not responding. 

When I contacted Gemini with a complaint and a request to recover my funds, I was informed that they would close my account and I could no longer access the platform.
Product: Debt collection

I was threatened with lawsuits and judgements. I settled the accounts for large amounts o money without ever being summoned or given any form of validation. 
Upon paying the accounts, they are continuing to report inaccurately on my credit reports showing past due balances and charge offs for every month of XXXX. 
These are inaccurate and after paying I know believe fraud as no lawsuit was filed I want them all removed immediately from my credit reports
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act Convergent Account name XXXX XXXX  Account XXXX 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 an account without my written instructions.
Product: Debt collection

I recently see a collection on my report fir {$600.00} I only have one credit card for the last 3 years are more, I haven't been intouch with anyone in regards to any outstanding balance
Product: Checking or savings account

Indiana unemployment paid my husband today at XXXX and cahs app received it but I still can not touch it because they say it is pending when I know it's not because XXXX is who it was going to and it was always available between XXXX and XXXX every Monday. Plus the unemployment website says it will be available to us now later the XXXX on Mondays. Theu XXXX saying their policy to 1 to 5 business days before we can touch it but no where on their direct deposit pages does it say that.
Product: Credit card

Ensuring payments are always made on time for this account has been my priority, preventing any instances of lateness. I'm puzzled by reports indicating late payment notes on my accounts. As per 15 USC 1666b - Billing Error, rectifications are necessary.
Product: Credit reporting or other personal consumer reports

I dispute some items on my credit report, and they said it came from a third-party, which was incorrect, and none of my items were deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting incorrectly a charge-off on the XXXX account number XXXX. ( Please see page attached from my credit report. ) I purchased the vehicle from a dealership and shortly thereafter the vehicle quit running. This vehicle fell under the rules required for the Lemon Law so I returned the vehicle within the time allotted and was told that there would be no negative reporting on my credit report, but that turned out to not be true. This incorrect reporting of a charge-off is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this item however, I have not been successful.
Product: Debt collection

Jhpde Fin I They havent prove the debt was mines.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
I am submitting this complaint against Transunion regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
I checked my credit report and discovered discrepancies in the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation.

I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, Transunion has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Checking or savings account

On XX/XX/2022, my mom XXXX XXXX sent me an XXXX payment of {$2000.00} to my CHASE bank account. I didn't know my CHASE account was closed so the money was rejected and supposed to be returned to sender on XX/XX/XXXX. It is now XX/XX/XXXX and XXXX XXXX ( my moms bank ) hasn't received the {$2000.00}. I've done everything CHASE told me to do to resolve this issue and still no funds have been returned. I've filed an dispute with my moms banks and they denied the claim stating they haven't received the funds. I also contacted XXXX and they told me that the banks need to solve the issue. This is putting me and my XXXX kids in a serious financial hardship and if this matter doesn't get resolved immediately.