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

XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX 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 Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.

15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting 15 U.S. Code 1681c ( a ) ( 5 ) - Requirements relating to information contained in consumer reports 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) Responsibilities of furnishers of information to consumer reporting agencies 1681s2. Responsibilities of furnishers of information to consumer reporting agencies 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I filed a dispute with the XXXX company using their dispute platform. On XX/XX/year> I received the notice that the collections and charge-offs were accurate and complete. File XXXX XXXX  is the case number. For XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After checking my credit reports, I was alarmed to see that for my XXXX XXXX Credit Card Account, several late payments were reported that are incorrect. I have been very consistent with paying my balances with XXXX XXXX on time every month and have never been late and do not understand how any errors of this magnitude could have been reported that were inaccurate. I have communicated this issue with the creditor by mail on XX/XX/XXXX and have not been able to receive any resolve.
Product: Credit card or prepaid card

I have explained to JPMCB card services several times about the issues with Amazon. I clearly selected returns go back to original payment method, and for months they put my refunds on a gift card account without my approval. JP Morgan Chase Bank now raised my interest dramatically and will not help me with the Amazon situation. I spoke to multiple managers at both Chase and Amazon and they both were very rude to me. I have been hung up on 4 times between the two companies. This is very unfair and a violation of the credit act and my rights. I have asked the company in 2022 of XXXX to send me proof with my wet signature that I opened this account because around this time I suffered from Identity theft. JPMCB just sent me a new card and I had to speak with I.T with Amazon to fix my account had been hacked. I explained this to Amazon Management, and i was hung up on and yelled at in a angry tone, also played with on hold for hours sent from department to department. This has made me very stressed and brought my credit score down dramatically. I asked JPMCB to dispute the Amazon charges because they committed fraud by moving my funds to a different account without my approval or knowledge. I am asking for this account to be removed from my credit file.
Product: Credit reporting or other personal consumer reports

Most of the accounts on my credit report does not belong to me!
Product: Consumer Loan

XXXXRegional Finance ( RF ) is placing a " Forced Placed Insurance ( FPI ) '' charge on XXXX XXXX customers, including myself, according to XXXX the total XXXX employees that I spoke with. Basically, I had liability & uninsured motorist insurance on the car from day one. I was hit with this ( FPI ) in the sum of {$1800.00}, which was broken down into payments. FYI - XXXX person told me monthly, another person told me quarterly. They began charging me from XXXX forward. After getting in contact with me in XXXX, I upgrade my policy to full coverage as of XXXX XXXX, 2015. Regional Finance 's out source company XXXX, credited Regional Finance back {$780.00}. Regional Finance however is still charging me $ XXXX. even though I am in compliance with full coverage insurance. In a follow up conversation with Regional Finance, after talking with XXXX, a new number and explanation was submitted that still does not make sense. According to a supervising representative of the company, XXXX charged them {$1700.00}, plus XXXX XXXX XXXX applied a one-time interest fee of {$150.00}. The {$1700.00} was supposed to be applied for XXXX. According the supervisor, the {$780.00} credit was against the {$1700.00}, leaving a balance of {$920.00}. XXXX, Regional Finance and I have spent most of XXXX/XXXX/15 on the phone back and forth to understand and receive a satisfactory explanation. I do not understand why I am being charged for 12 months when the lapse time covered XXXX mos. 
I am currently paying MY full coverage and the XXXX that added to my account. I have no problem paying for the covered months but if they have been reimbursed why am I being forced to pay for 12 months. Again, even the multiple employees that I spoke with could not make sense of this. I am asking the BCFP to investigate these insurance companies for these types of practices. 
I believe this is a bad and unfair business practice financially effecting millions of Americans.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 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 ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

I opened an installment agreement with XXXX XXXX XXXX with the understanding this was a 36 month contract with no prepayment penalty. I paid it off in XXXX but they report that the account was late despite paying multiple months at a time. I submitted receipts and bank statements. 

They are violating Texas XXXX, and Im not sure what they feel they are accomplishing reporting false information. 

XXXX and Experian claimed they investigated the issue but obviously didnt even look at the receipts or contract
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES TO MAKE CRIMINAL COMPLAINTS I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XX/XX/XXXXandXX/XX/XXXXCRA. On XX/XX/2020, I mailed Equifax, XX/XX/XXXX and XX/XX/XXXXto Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Debt collection

Ive sent certified mail In regards to this collection seeking signed documents and have never received. also this is a hipaa violation and my rights are being violated by this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have incorrect information in terms of my employer who I never worked for on my XXXX, XXXX  and Experian. I want this false information removed from my Credit Report and exchanged with my current employer XXXX XXXX XXXX XXXX in XXXX located at XXXX XXXX XXXX. XXXX XXXX, XXXX TX XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX updated Date : XX/XX/2022 This account should be removed completely from my Credit Report...
Product: Checking or savings account

I graduated high school in 2012, and I was in search for a job. I found a summer job on XXXX before, and worked there for quite some time. ( XXXX XXXX XXXX XXXX ) I figured I could find another job in addition to my current job on XXXX again. I was contacted by a family on XXXX who had a child who was wheel-chair bound. I corresponded with the family for a few days in regards to employment as a nanny for the family. I was told that they were moving from another state, to the current state I am in. They needed help with the child while moving. The family told me they bought a new wheel chair for the child and needed it to be picked up and already home by the time they got in. The story the family told me made sense, and are the regular duties a family would ask a nanny. Once I received the check, which was sent over-night, I was instructed to cash it, then send the money to the child 's wheel chair makers for payment, and delivery of the chair. I had an account with PNC bank. I had a particular bank I would always go to. PNC Bank XXXX XXXX XXXX, Ga XXXX. Before I cashed the check, I went to PNC, and asked a teller I was familiar with about the check I received from the family. I told the teller the back story, and asked if he could determine if it was a fraud check or not. He instructed me that a determination of a fraudulent could not be made by looking at it. The only way I would know is if I placed the check in my account, and the money from the sender did not cover the amount on written on the check. 

I contacted by the family again with arrival dates and times. I figured it was legit because I we set up a meeting place, etc. I can not recall the exact amount the check was for, but it was less then 5,000. The next day I went back to the PNC to cash the check. The check cleared a few days later, and a few more days later I was contacted by PNC that my account was shut down because of fraudulent activity. I called and explained to PNC that I had no idea, and that I'm a nanny that was looking for a job. I was told by the fraud department that it was a man named XXXX XXXX. The check was written from a closed account. I was told I had to pay the money back that my account went negative for. I told them the money went to another account via XXXX XXXX XXXX. ( The wheel chair makers account ) I am now XXXX, and this still haunts me. I can not open a personal bank account due to a scammer. I was young and XXXX, but also a target, because the scammers constructed a plan based on my resume on XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, I put my shoes on XXXX XXXX, and sold it to " XXXX XXXX '' ( XXXX name ) through Venmo for {$380.00}. After I got the {$380.00} in Venmo, I transferred it to my bank account, and it usually takes few days. However, after a month, I still didn't see that {$380.00} transfer to my bank. So I contacted Venmo, and they told me that person has disputed his payment which is {$380.00}. So I tried to contact " XXXX XXXX '' on XXXX but found out he blocked me. I didn't know Venmo allows people to dispute their payment through the bank for no reason. The guy who disputed the payment, his Venmo ID is " XXXX ''. Venmo have created a case for it, and the case number is # XXXX. However the Venmo agent, XXXX, told me that they will do nothing about it. Not even contact the bank for the fraud disputed. I went to the police department to file a report. The report number is XXXX, and the phone number of the police department is XXXX.
Product: Consumer Loan

To : RISE Re : Complaint for Loan Number XXXX XX/XX/2016 To whom it may concern, I am a visually impaired person, with a monthly income of less than {$900.00}. I can surely say that I had no idea that the monthly installment would not be applied to the principal loan amount. After my aid read to me just a few days ago that I was not paying off the loan all of the money was going to interest and only {$19.00} was applies to the principal. Not to mention I clearly understand the terms of RISE loans. But I do not have that kind of money. I am requesting that you cease deducting {$520.00} from my bank account effective XX/XX/2016. The loan amount to my understanding should have been paid in six month, according to my understanding. 
How I was able to allow a family member to utilize my information to obtain this loan? On the other hand I am not mentally or financially able to pay this overpriced loan on a fixed income. Abused my medical condition and scared I into this position, while she works for XXXX and promised to pay RISE it back in full. No response from her, since I paid all her bills with the loan. 
I have struggled for the last five moths giving RISE most of my income, and I can not make the rent, utilities, or food.
Product: Debt collection

I spoke with ERC in regards to a bill that is owed to XXXX on XX/XX/XXXX. They informed me that they were trying to recover a {$2000.00} bill that they believe I owe. 

I informed the first agent in the 1st 4 minutes of the phone call that I was disputing the bill because XXXX continued to charge me service fees after they had shut off the phone service. The represented continued to try to collect the debt, asking me how much I would settle the account for. He then transferred me to an account dispute representative XXXX XXXX. 

Over the next 20 minutes of the phone call, I advised Ms XXXX again that I wanted a copy of the bill and that I do not believe I owe the bill. I explained that XXXX would have been paid had they not continue to charge me service fees when I was not receiving services. She even verified that services were ended in XXXX of XXXX but service fees continued until XXXX of XXXX. I asked her if she saw my point. She the ended the phone call by saying that they would send me the requested information. I only received a letter from ERC saying that I needed to dispute the bill in writing within 30 days. 

Today is XX/XX/XXXX, and I have yet to receive the information that Ms XXXX promised over the phone to verify the bill. The bill is still being reflected on my credit and I want the bill removed. I was denied a job from XXXX that I was supposed to start on XX/XX/XXXX because of this negative trade line. 

I would like to file a formal compliant against XXXX and ERC.
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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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

Although I appreciate your efforts to update and correct some of the information on my credit report, there are still a few problems. The XXXX Credit Bureaus are required by Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) to confirm these items ( A ). I'm hopeful that these contentious issues will be resolved right away. 
XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX OF XXXX XX/XX/2022 XXXX CREDIT XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX  XX/XX/202XXXX 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 MORTGAGE XXXX XX/XX/2022 XXXX MORTGAGE XXXX XXXXXX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

*******see attachments for detail supporting******XXXX Dear Manager at the Credit Bureau ; Im a little shocked today! Can you help? Btw, happy XXXX XXXX! 

I just refreshed my credit report once again and honestly, I was shocked and surprised that these 3 negative accounts are still reporting on my credit report. I dont understand how is it possible that you actually stated that you VERIFIED this account as ACCURATE. As you can see the screenshots below, and Ive circled the inconsistencies, misleading and incomplete info on the way its reporting. Its my understanding that you must conduct a reasonable and thorough investigation not the computerized 2-digits number through e-oscar. I can not accept pre-printed template results, and this shows that youre NOT in compliant with the consumer laws. Saying that you verified, is a binding & legal contract that I can hold you against. I can promise you that its impossible that you verified these accounts below on the screenshots because they are reporting 3 different dates of LAST ACTIVE, LAST PAYMENT, LAST REPORTED, OPENED DATES, inconsistencies with payment history and payment status, etc. Its impossible and this is in violation of FCRA! Even the High Balance and actual balance is questionable! Also, wasnt both XXXX, XXXX, and XXXX sued before for not compliant with FCRA by FTC and Cfpb? Especially XXXX, for not applying for the payment currently into the consumers account? Im sure they were sued and forced to pay the consumers and removing the derogatory remarks!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone applied for a personal loan through XXXX XXXX XXXX with all my personal details. I never applied for such loan.
Product: Debt collection

ON XXXX/XXXX/15 CONVERGENT OUTSOURCING INC CALL ME TO COLLECT A COLLET ACCOUNT and requested for me to pay the XXXX XXXX XXXX ACCOUNT AND I DID PAY OFF A TOTAL OF XXXX AND NOW XXXX XXXX XXXX IS TAKING ME TO COURT THAT I DID NOT PAY I BEEN CALLING XXXX XXXX  AND NO ONE CAN HELLP ME I DONT KNOW WHAT ELSE TO DO.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 XX/XX/2022 XX/XX/2022 Reporting agency, XXXX XXXX XXXX, reported account XXXX, 30 days past due, for XXXX, XXXX, & XXXX of 2022. These late payments are inaccurate, & I would like a copy of the furnished documents, from the bank statement showing exactly when those payments were made, proving each payment was 30 days late. If that can not be shown, I would like the payment history updated to all on time payments.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : 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. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Delete this account. 


3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 


4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Checking or savings account

Ach payment went to wrong account and the bank is saying they have no records of Ach payment even though I submitted trace number stating bank accepted funds