23daVinci/CFPB_Complaints huggingface dataset:
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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. states I have rights 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 Shares : 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 XXXX 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

XX/XX/XXXX I filed a request for an investigation about XXXX XXXX reported an incorrect balance on my credit report. They stated that I owe {$1500.00}. This is incorrect. I only owe just over {$1100.00}. They took me to Magistrate XXXX XXXX 's office, and he lowered it. 
I sent Experian a copy of the original paperwork from XXXX stating the {$1500.00}, and the Magistrates ruling of just over {$1100.00}. They stated that there was nothing incorrect. I sent proof and requested that it be removed from my credit because it was incorrect. It was not done. The original debt is from XXXX XXXX XXXX, XXXX XXXX is a third party who purchased the debt from XXXX XXXX XXXX. I can send supporting documents if they are needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The company Midland Credit Management placed a {$650.00} debt on my credit report under collections. I have reached out to the company in regards to validation of the debt but no response. The debt shows an open account on XX/XX/year>. I have been a victim of identity theft and I did not open this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I PREVIOUSLY HAD A LOAN WITH XXXX XXXX XXXX FOR A XXXX XXXX. THE CAR WAS REPOSSESSED IN XX/XX/XXXX. I NEVER RECEIVED ANY NOTIFICATION OF THE CAR BEING SOLD ; NOR WERE I ABLE TO RETRIEVE ANY OF MY PERSONAL BELONGNGS THAT WERE IN THE CAR FOR MY XXXX KIDS AND I. I RECENTLY CINTACTED FIRST INVESTORS ; THEY STATED THAT THEY WROTE OFF THE LOAN ON THEIR TAXES AND SOLD THE DEBT TO " XXXX XXXX  ''. WHEN I CONTACTED XXXX XXXX ON XX/XX/XXXX FOR DOCUMENTATIONS AS OF HOW MUCH THE VEHICLE WAS SOLD FOR. THEY STATED THAT THEY DID N'T HAVE TO DISCLOSE ANYTHING TO ME. TODAY " XX/XX/XXXX '' ; XXXX XXXX XXXX XXXX. CHECKED MY CREDIT ; WHICH I DID NOT AUTHORIZE. I CONTACTED THIS AGENCY TO LEARN THAT IT IS " XXXX ''. I WAS TOLD THAT THEY DO N'T HAVE TO GET MY PERMISSION TO RUN MY CREDIT, AND THAT THEY ARE GOING TO SUE ME. YET, THEY REFUSE TO VERIFY THE DEBT ; I HAVE SENT EMAILS, AND CALLED SEVERAL TIMES TO NO AVAIL. THEY ARE ILLEGALLY RUNNING MY CREDIT INFO, AND FIRST INVESTORS REFUSE TO REMOVE THE DEBT BEING THAT THEY SOLD IT TO THIS COMPANY.
Product: Money transfer, virtual currency, or money service

We were sending money through  Western Union and mixed up the maternal and paternal surname on the form fields. When our daughter tried to pick up the money, she was denied because the names were reverse. Fine. We contacted WU to h ave them change the names. They could not do that so we had to cancel the transaction. Then they would not cancel the transaction. We went online ( the same way we placed the order ). We were verified and the chat person said they wanted to call us on the phone. We have no reason to give them a phone number, and we were verified online. They refused to cancel the order. We had to call our credit card company and report fraud because of their actions.
Product: Debt collection

I am writing regarding several medical bills for which I am not responsible that have been incorrectly and falsely sent to collections by the billing office of XXXX XXXX XXXX in XXXX 2015. The bills submitted to collections by XXXX XXXX 's office total {$160.00}. Despite repeated attempts to have these bills removed from collections, XXXX XXXX 's office has thus far refused to do so. 

XXXX XXXX 's billing office incorrectly states that I visited them on three occasions XX/XX/2015, when in fact I only visited on two occasions : XXXX/XXXX/15 and XXXX/XXXX/15. 

At the time of each of my visits, I paid a {$20.00} co-pay per visit per the requirements of my insurer, XXXX XXXX XXXX, and the requests of XXXX XXXX 's office. The insurer stated on their website and confirmed via phone that {$20.00} was the correct co-pay amount. XXXX XXXX is a XXXX Preferred provider under XXXX policy, clearly documented by a screenshot of XXXX website and my phone conversations with their representatives. 

However, XXXX XXXX 's office inaccurately charged both my husband and I an additional {$40.00} per visit ( including for a third visit that never occurred ) and submitted the difference to collections. 

I have contacted XXXX repeatedly regarding this matter, who confirmed that the correct co-pay amount is {$20.00}. I spoke with several representatives there recently, who confirmed this again and stated that XXXX has contacted XXXX XXXX 's office with the same information. 

I have also contacted XXXX XXXX 's office repeatedly regarding this issue and stated in writing that there was no basis on which to submit this matter to collections, and repeated that assertion recently. Per the attached documentation from the collections company, Armor Systems Corporation, XXXX XXXX 's office has cancelled all claims for my spouse, who had the exact same issue with XXXX XXXX 's billing practices. However, my claim falsely remains in collections. 

Per this documentation, I have asked XXXX XXXX 's office to remove these bills from collections immediately, however they have refused to do so. I have also asked that the office immediately contact the credit reporting agencies - XXXX, XXXX, and XXXX - to have these items removed from both of our credit reports. 

It is troubling that XXXX XXXX 's office failed to exercise any due diligence in obtaining accurate information before submitting these claims to collections, and has still failed to resolve this matter nearly a year later. Clearly, this is evidence of deplorable and irresponsible business practices that harm consumers such as myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

The estimated month and year that this account will be removed is different on my credit reports. The open date of the account is incorrect. The last payment date was after the closed date which is incorrect because no payment was made after the account was closed. And my credit report is showing on time payments after the closed date, which is obviously incorrect. I asked the credit bureaus to remove the inaccurate information, however they have failed to do so.
Product: Checking or savings account

XX/XX/year> I deposited a tax advance for a {$1000.00} Citi bank failed to return my money they failed to verify the check so they deposited the money and never released my funds saying it was fraud the people who issued my check sent XXXX hold harmless letters to notify them the check was not fraud they have yet to release my funds its been for months this bank needs to be investigated and closed down
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX # XXXX US Dept of EDU # XXXX US Dept of EDU # XXXX XXXX Dept of EDU # XXXX US Dept of EDU # XXXX US Dept of EDU 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 a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 this letter was sent to Equifax signed for on XX/XX/2018 via certified mail. The first statement on this document states THIS IS NOT A DISPUTE it has been two months and Equifax has sent none of the information requested in the document. However Equifax used this document for a unrequested dispute verifying the information requested in this document as accurate. This is evidence that Equifax is not performing investigations as per guidelines of the FCRA. In the documents I requested the information that they ( Equifax ) use and the contacts of the individuals providing the information. Equifax has provided nothing. Please review all the documents sent on this portal and require Equifax to report fairly.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion.

Please delete the following accounts.XXXX XXXX XXXX XXXX bal. {$610.00}, XXXX XXXX XXXX bal. {$690.00}, XXXX XXXX {$1800.00}, XXXX XXXX XXXX. {$470.00}, XXXX XXXX. {$770.00} XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I recently pulled my reports and noticed you are reporting is incorrect for this account ( XXXX XXXX XXXX ). Because of the following information by your company and XXXX, Equifax, and XXXX are different, this means the account has not been properly verified. Please delete this account immediately. 
1. Incorrect credit limit 2. Last Verified incorrect 3. Date of Last Activity are all different 4. Closed Date missing 5. Charge off account showing currently showing past due 6. Last Payment are all different 7. Term Length missing
Product: Credit card or prepaid card

I applied for a Barclays Jet Blue Plus Credit Card based on an inflight offer on XX/XX/2022. The offer was that the 1st year annual fee was waived by using a promo code given on the flight. I was subsequently approved for the card and started using it. The first statement I received had the annual fee of $ XXXX on it. I called on XX/XX/XXXX to dispute the fee. I then called on XX/XX/XXXX and a manager said they would credit the fee. That never happened so I called again on XX/XX/XXXX and was told to email a copy of the offer I was given showing the annual fee waiver. I did that per the attached email. I then followed up on XX/XX/XXXX to check on the status per the attached email thread. I asked that the disputed charge be put on hold pending the outcome of the dispute, but they said I'm responsible to pay it until that time. I should not have to pay a fee that's under dispute pending the resolution of the case. 
This is unfair to consumers as they are not providing what they are advertising.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXXXXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00}
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX. I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, anxiety, emotional distress, and financial hardship that your actions have caused me. Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. Please send all correspondence related to this matter to the address listed above.
Product: Mortgage

XXXX XXXX loan me XXXX in XX/XX/2017. 

They " hold '' 10 % during 18 months. 

I paid interest for the 100 % of the loan. 

By the date they should deposit me the 10 %, they ask me for my tax return and other documents that I sent. Then, they said with those numbers, they can not deposit the 10 % I said, OK, but give me the new monthly payment number ( 90 % ) but the refuse and still charge me the 100 % of the interest
Product: Checking or savings account

I got caught up in a fake at home job scam and mobile deposited a check sent to me by the " company '' and now my bank account is overdrawn {$490.00}, XXXX. I called the bank and all they want to do is close my account, they are treating me and talking to me like I am the one who is scamming them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 



XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$5300.00} ; XXXX XXXXXXXX Balance Owed : {$3600.00} ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX Date Updated XXXX XX/XX/2015
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX  Date of Inquiry XX/XX/XXXX.
Product: Debt collection

I have submitted a request with Experian to have a collection account removed. I do NOT have a contract with the collection agency trying to collect the debt, therefore it is inaccurately being reported on my credit report. The collection agency also accepted the terms of an agreement for the alleged debt when payment was accepted. This account need to be deleted. In a prior complaint Experian stated this account was not referenced on my credit profile. However it is still listed. I also never received any credit report from them showing the deletion. They are the only credit bureau being difficult in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/2019 XXXX {$5600.00} This is a fraudulently opened account that was previously deleted and now re-appearing back on my Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX account XXXX is incorrect.
Product: Credit reporting or other personal consumer reports

on XX/XX/year> I sent a letter regarding inaccurate and unknown things on my credit report to this day almost 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored for my disputes. Section 611 ( a ) it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has almost been 60 days so they should be promptly. I demand these accounts to be deleted immediately or I will file for litigations due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.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.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : transunion : XXXX XXXX Equifax : XXXXXXXX XXXX XXXX -XXXX  Experian XXXX XXXX XXXX charge off accounts XXXX : -XXXX  XXXX # XXXXXXXX XXXX XXXX # XXXX Equifax : XXXX XXXXXXXX # XXXX
Product: Debt collection

The original account was XXXX XXXX who wrote off this account years ago which reflected on my credit report. Jefferson Capital allegedly purchased this " account '' as a secondary collection and placed a Negative Mark and Collection on my Credit Report which I challenged. The issue is that Jefferson  is falsely stating that the debt began on XX/XX/2020 on my Derogatory Remark when in fact the account was written off years ago by XXXX. The clock can not start anew and a recent date advanced which will result in a longer period of record on the credit report. 

Jefferson Capital needs to adjust the date to the actual write off date which is years ago. By their own written admission, the collection is too old for any collection attempts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX, GAXXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX GA XXXX XXXX XXXX XXXX, GAXXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$460.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance Owed : {$1700.00} ; XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance Owed : {$8700.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance Owed : {$1700.00} ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Fifteen days from the current date, I will be updating my credit reports, and I anticipate the prompt removal of the fraudulent items from my file in accordance with FCRA Section 605b. Credit Reporting Agencies are mandated to eliminate any items listed on an identity theft report, specifically report # XXXX. I urge strict adherence to this legal requirement. My sole objective is the expeditious removal of inaccurate information and inquiries from my credit reports to ensure the precision of my credit records. The items to be removed, categorized by bureau, are as follows : -- -- -- -- -- -- -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX