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

On XX/XX/2020 I sent a certified letter to transunion to have a few inquiries removed. My letter was sent and I was notified Transunion received the letter XXXX XXXX. On XX/XX/2020 I also received a letter stating that they wouldn't be able to assist me with getting them removed. I also followed up with a phone call as well they said they will take a look into my dispute.
Product: Debt collection

The balance listed as a charge off/write off has been increasing its balance each month. This account was charged off in XXXX of 2020. Based off this charge off the balance should not be increasing at all. However the balance is increasing every month.
Product: Checking or savings account

I've submitted a fraud claim with Schwab about a company withholding my funds. I had used my schwabb account and debit card to deposit funds into an application known as XXXX XXXX. When I went to withdraw these funds from the app they were being withheld and then my account was removed from the app and essentially the existence of my account with the application completely disappeared. I reached out to customer support for the app and they were of no help and would not reach back to me about this issue so I submitted a claim with schwabb about every deposit I made to that application using my account information or debit card information and put a stop payment as well. Schwabb for weeks has not reached out to me about this fraud claim, has done absolutely nothing to recover my funds, and has not given me any updates after repeatedly reaching out. I have not even received temporary funds for the time of the investigation either. They are not holding up their part of the agreement to protect consumers from fraud and letting it run rampant.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has on my credit file a was a charge off there was or is no charge off on this account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX I received an alert from XXXX XXXX about an hard inquiry on my Credit Report. I went to view the inquiry and it showed up as XXXX XXXX XXXXXXXX XXXX, I have no knowledge of this account. For the past several months I have been paying off all debts in efforts to increase my credit score. I disputed with Equifax XX/XX/ and that same day my dispute was closed saying information was accurate and will remain on report. The Results Of Our Reinvestigation >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX I then called XXXX and they have no record of an account or this information on my Credit Report. And suggested that Equifax provide me with information on how they did their investigation. 

This is not my inquiry and I need help in getting it removed.
Product: Credit reporting or other personal consumer reports

My XXXXXXXX XXXX XXXX information is not being reported by XXXX and TransUnion, however it is present on XXXX. 

Credit card age, usage, balance, and payment history is not being reported when I log into XXXX and XXXX XXXX. 

I would like that information to be present to increase my credit age, utilization, and payment history so that I can continue to make progress on improving my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around  XXXX / XXXX /   17  I was reviewing my credit report and I discovered several  HIPPA ACT violations breach of third party  confidentiality. I have never done business with these companies listed. I have never signed a contract or entered into any verbal or written contracts with the following comp anies 1.   XXXX   XXXX   XXXX    XXXX     XXXX   HIPPA Act v iolated please delete.   2.  XXXX   XXXX   XXXX    XXXX  This account has never been validated please delete.   3. XXXX   XXXX    XXXX    XXXX   HIPPA Act violation please  delete.   4.  XXXX   XXXX   XXXX    XXXX   5.  XXXX   XXXX   XXXX  #  XXXX   HIPPA ACT  violation please delete.
Product: Mortgage

On XX/XX/XXXX I uploaded an escrow analysis to Freedom Mortgage as requested to show that we are owed XXXX overage from our escrow account. They sent us a check for XXXX and refuse to tell us where the extra XXXX dollars is. I called them again today and they stated that they dont have the money and that they didnt receive the uploaded Document even though I can see it was sent to them through their online account as requested. It has been a runaround between them and XXXX XXXX since XX/XX/XXXX. It is so concerning that to see companies keep money that they are not allowed to keep. Its so frustrating as a consumer that I can not get anyone to help and I keep Being asked to do the work to get Our money. 
Thank you for you time.
Product: Debt collection

Dear Avante XXXX, After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2017. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization.

Please provide breakdown of fees including any collection costs and medical charges.

Provide a copy of my signature with the provider of service to release my medical information to you.

Cease any credit bureau reporting until the debt has been validated by me.

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.I have no knowledge of this company or alleged debt. i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XX/XX/year> Since then the account has repeatedly been updated as a charged off every month. this is an updated in the payment history. A charged off account shouldn't include an active payment history. this inaccurate information falsely manipulates the statute of limitation. Please investigate this account properly after i asked you to do it TWICE and your neglect has violated my rights, I am demanding a deletion of the following account : Accounts Name : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Complaint : Experians Failure to Correct Inaccurate Credit Reporting Dear Consumer Financial Protection Bureau, I am filing a complaint against Experian for failing to comply with the Fair Credit Reporting Act ( FCRA ), including violations of 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), and 15 USC 1681c ( c ).

Experian is inaccurately reporting my mortgage accounts as " included in a bankruptcy. '' These accounts were not part of a bankruptcy ; the properties were sold, and the accounts were fully paid. I have provided Experian with letters ( Letters were sent XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) from the lenders confirming this, but they have failed to : - Properly investigate my disputes. 
- Remove or correct the inaccurate information. 
- Comply with FCRA regulations regarding reinsertion of inaccurate data. 

This inaccurate reporting is impacting my XXXX XXXX and my ability to secure credit, employment, and housing. 

Additionally, the recent CFPB lawsuit against Experian for sham investigations and improper handling of disputes mirrors my experience. It is clear Experian has a systemic issue with failing to comply with consumer protection laws. 

I request that the CFPB investigate this matter and ensure Experian takes corrective action to comply with the FCRA and address the errors on my credit report. 

Thank you for your attention to this matter.
Product: Credit card or prepaid card

I was notified on XX/XX/2021 by SYNCB/PAYPAL CREDIT CARD, XXXX XXXX XXXX, XXXX GA, XXXX via their website that my PayPal and XXXX credit cards through Synchrony Bank were canceled. I called both PayPal and XXXX and was told that my cards were canceled due to high risk. I explained I have never had a late payment and in fact had a credit balance with the XXXX card and had no balances on any of my credit cards. In both cases, I spoke to a supervisor and they both said there was nothing they could do. Both groups advised I should submit a formal complaint and neither had any avenue in which to file such complaint other than note the file. I have worked very hard to protect my credit and ensure I never have any issues with my credit card companies. The cancellation of the cards has negatively affected my credit score through no fault of my own. I am in the process of buying a new home and the lender said has told me the drop in score will at a minimum increase my interest rate or unbelievably not allow me to secure the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm in the market for anew XXXX XXXX so went to see about getting one from XXXX XXXX but did not get approved so I checked my credit report and I see a couple of items that are not mine. I contacted my local police and the FTC. I'm working on my own behalf. I need these items removed from my credit report because this is a complete inconvenience. 01 XXXX XXXX, 07 XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX.
Product: Vehicle loan or lease

On XX/XX/2021 I attempted to complete a Consumer Credit Transaction with XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Exercising my Federal Consumer Rights in pursuant to title 15 chapter 41, consumer protection laws, my right were unlawfully violated with the denial of my credit. I am the original creditor, I am A Natural Person, I am a consumer.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I received a notification email from Bank of America about an abnormal online transaction. I quickly logged onto my account and found that there had been multiple abnormal transactions between XX/XX/XXXX and XX/XX/XXXX, transferring my money to the same recipient, who I don't know at all. I quickly contacted the fraud department of Bank of America and filed a claim. 

This morning I called the customer service and was told that my claim was denied based on their analysis. While I asked for more details about their analysis, the customer service just told me that the analyst asserted that notification text messages had been sent to my cell-phone regarding all the transactions I claimed for fraud. However, I checked with my mobile service provider and confirmed that there were no text messages from Bank of America notifying me any of those transactions.
Product: Credit reporting or other personal consumer reports

The alleged creditor XXXX XXXX XXXX XXXX is in violation of my federally protected rights. 

XXXX XXXX XXXX XXXX and its agents have been garnishing my wages and have not updated the balance thereby negatively affecting my credit score and causing me direct financial and mental issues. 
For example, the aforementioned company is reporting I have a balance of over {$5000.00} as can be seen in the photo from Experian Ive included in this complaint. 

XXXX XXXX XXXX XXXX has garnished my wages as such : AMOUNT-DATE XXXX XXXX XXXX XXXX XXXX XXXX XXXX As is plainly evident,XX/XX/XXXXXXXX, has had many opportunities to update my balance and they have not XXXX It was done purposely and willfully to harm my ability to obtain credit. 

According to : 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; Therefore, I am seeking monetary relief in damages for each individual instance of negligence equaling the amount of {$7000.00}. 
In addition, XXXX XXXX XXXX XXXX, should cease and desist from reporting anything on my credit as they are not following the statues regarding credit reporting in the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation because as you can see in the attached screenshots this information is being reported inaccurately across ALL THREE BUREAUS! FCRA Act Section 611, gives me the right to request an explanation of the verification method. I request a copy of any documents used to verify my information under the FACTA act, SEC 312 ( b ) and ( c ).

These erroneous entries are detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above requested deletion or requested/required documentation of your investigation, I will pursue the enforcements of my constitutional rights via federal court proceedings. As you are well aware this information will come out through my formal discovery process, and necessary depositions. 


The following inaccuracies MUST BE DELETED NOW. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INACCURATE INFORMATION : Date Opened, Last Reported, Last Active Dates are all inconsistent, inaccurate and incorrect. YOU MUST DELETE THIS FROM MY REPORT. XXXX XXXX Transunion account number XXXX and XXXX  Account number XXXX INACCURATE INFORMATION : Account numbers, High Credit Limit, Last Active Dates are all inconsistent, inaccurate, and incorrect. YOU MUST DELETE THIS FROM MY REPORT. XXXX  XXXX XXXX Account number XXXX INACCURATE INFORMATION : Date Opened, Last Reported, Last Active Dates are all inconsistent, inaccurate, and incorrect. YOU MUST DELETE THIS FROM MY REPORT. XXXX XXXX Account Number XXXX INACCURATE INFORMATION : Date Opened, Last Reported, Last Active Dates are all inconsistent, inaccurate and incorrect. YOU MUST DELETE THIS FROM MY REPORT. 

See attachments for full details
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Account 1 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have XXXX my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). 
According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

I request that the following actions be taken immediately : Investigation of the mentioned violations.

Removal of the unauthorized accounts from my credit report.

Exclusion of any obsolete information in compliance with 15 USC 1681c ( a ) ( 5 ).

Correction of any inaccurate information in accordance with 15 USC 1681s-2 ( a ) ( 1 ).

Notification of the correction to any person who has received my credit report in the past six months.

I expect a written response within the next 30 days. If this situation is not adequately resolved, I will consider taking the necessary legal actions to protect my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

REPORTING WRONG ADDRESS. 

To Whom it May Concern : XXXX XXXX I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, XXXX  XXXX Please update my name to : XXXX XXXX XXXX My only Social Security Number is : XXXX My only and correct date of birth is : XX/XX/2001 Please remove all other addresses off my report as they are not deliverable to me by the U.S. post office , and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inaccuracies on my credit report with all 3 credit reporting agencies XXXX XXXX, Equifax, and XXXX  XXXX on XX/XX/2020 that XXXX XXXX fails to correct. I have disputed with XXXX XXXX and provided proof of payments for the months they reported me as XXXX  days late, when in fact I paid as agreed. The CRA 's disregarded my dispute and continued to publish inaccurate information after providing them with the proof. They have violated my consumer rights and the FCRA by reporting inaccuracies and saying they verified the information was accurate. How is it possible to verify accuracy with the company I'm informing you is reporting the inaccuracies. Even after providing proof both XXXX and the 3 CRA 's fail to update my credit file to paid as agreed. 
I mailed several letters to the CRA 's and have not received a response back from Equifax. I have included copies of certified mailings and receipt returns. 
I also kept record of XXXX XXXX and they continue to report negative information to the CRA 's. However, I find it STRANGE that they do not report me as being late in their customer portal database, which was disturbing to receive a letter of Notice to Right to Cure in XXXX  days. This is ludicrous! XXXX retaliates by calling the balance to be paid in full after I contacted them inquiring about inaccurate reporting. 
My credit score has been seriously affected by the inaccuracies and have caused me to not qualify for loans that I would have been able to receive approval for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like request a full XXXX XXXX, Sage Stream, XXXX credit reports. I have attached my ID
Product: Credit card or prepaid card

The fact that I always make timely payments on this account is causing me a great deal of anxiety. I have never missed a payment and I am very diligent about it.
Product: Debt collection

I have made attempts to get Portfolio Recovery to remove off my credit report the credit card from XXXX   XXXX. I have asked them to remove it due to it being listed as collection/past due/ charge off. they have not listed it on my credit as being in dispute. I have sent out letters to them certified. The account says it is paid and closed but it then is listed on my report as 120 day late. This is a violation of the FCRA. it also has an inaccurate account number. I have asked them to provide me with my signature and this has not happened. I am asking that they remove this from my credit report or I will have no other choice but to take them to small claims court for the Inaccurate, Incomplete and Unverifiable information.
Product: Credit reporting or other personal consumer reports

I have previously disputed XXXX  XXXX Bankruptcy XXXX with said company and in response they verified the item as accurate stating that they have verified the information with the court. 
I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately. 

This company has to respond to this complaint well after 30 days with no proof of re-investigation with the courts and I ask that this information be removed immediately from my credit report.
Product: Debt collection

I have gotten 7 calls from AR Resources looking for a person who is not authorized to use our phone. I have called them three times and they told me they would take our number off their list. I keep getting calls so started to document. I received a call on XX/XX/XXXX at XXXX XXXX. I called them to report it, spoke with XXXX, who told me she removed it from the list at XXXX XXXX on XX/XX/XXXX. At XXXX XXXX on XX/XX/XXXX I received another call. I called back again, speaking to a very rude XXXX, who said she removed my name from the list. I asked to be connected to a supervisor and she connected me to XXXX, who did not pick up. I left a message asking her to contact me. XXXX told me they were a call center. Please stop the calls - 7 times I've been told I was being taken off the list. After 35 years, I'm considering changing my phone number - that is not right. This is harassment. Thank you.