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

For months this company has been reporting inaccurate, unverifiable erroneous things on my credit report and ruining my credit score and I am sick of it. This company has ruined my credit score so bad I got denied a loan for my house!! Now I can not provide for my family because of these derogatory marks. These medical bills and other derogatory collection accounts listed on my credit report, are incorrect and NOT mine. Simply verifying that someone used my name, social security number and/or address is insufficient to confirm that I am the person in question and owe this debt. 
The court has ruled that in Hinkle v. Midland Credit Management , Inc., that during a dispute and subsequent investigation with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation that would hold up when presented to a jury. That means an original contract or similar proof. To this end, I am demanding an itemized bill to include but not limited to : The diagnosis and procedure performed that I am being billed for, Dates of said procedure, Cost of any medication you may have provided, Cost of any medical devices you may have provided, Office Visits, Consultations, Hospital Visits, Misc.

As I am not the person who owes this bill, I am aware that providing the information requested may lead to third party disclosure : a HIPAA violation. That would be your problem and not mines, as a consumer. And per the FCRA and FCPA, I am not required to complete a police report since the burden to prove the debt is on  you. 
In addition, a provision of the FACTA regulations is the Notice of Negative Information provision, covered in section 623 ( A ) ( 7 ).

I have never received notification that this had been or was going to be listed with a credit reporting agency. FACTA ( Fair and Accurate Credit Transactions Act ) requires creditors, including doctors and hospitals, to give the consumer a warning notice, so the matter can be addressed before a negative item such as this is reported in error. 
I am also requesting a copy of your in-house procedures that enable you to avoid the problems that lead to improper identification of consumers and the subsequent misreporting to the credit bureaus. 
In lieu of supplying the information Im demanding, you can simply stop all collection activity, including but not limited to removing this item from all credit bureaus to which it has been reported. If this is not done within 30 days of receipt of this letter, I will proceed to exercise all my legal rights, including litigation, to protect my good name. 

A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because i am a victim of the XXXX data breach. I want these items deleted from my credit report effective immediately. I.am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit report. 
AVANT bankXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Continues to report an alleged account that should have been removed. XXXX, has responded to my sworn testimony ( Affidavit ) and placed the responsibility on the credit bureaus.XXXX   as well as XXXX  have removed this item from my credit report. Equifax, in turn has updated this alleged account to show a XXXX  balance instead of removing it from my profile.They need to show how this alleged account can not be valid but remain on my credit report to do harm to my profile.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card

While reviewing my XXXX credit report ( XXXX/XXXX/2015 ), and, XXXX ( XXXX/XXXX/2015 ), I noticed that an unauthorized and fraudulent inquiries were conducted on my personal file by AMERICAN EXPRESS employees. I did not authorize this inquiries at any time relevant period. This inquiries were as a direct result of ID THEFT, thus, were fraudulent and without my permission and/or consent. American EXPRESS must know that such conducts by it`s employees were in clear violation of my Privacy Right and FCRA.This has continued to adversely affect me obtaining credit ; housing and meaningful employment.
Product: Credit reporting or other personal consumer reports

REINVESTIGATION REQUEST NOTICE XX/XX/2024 I received a copy of my credit report and noticed inaccurate Information reporting. Pursuant to, 15 USC 1681, Accuracy and fairness of a credit Report. According to the law, before any information is inserted to my consumer report, it must be accurate and fair Information reporting.

TRANSUNION is currently reporting negative information as a violation to federal laws.The U.S. Bankruptcy Court stated that they did not provide information to TRANSUNION and neither did I XXXX XXXX provide information or give them permission to report information. 
15USC 1681 B PERMISSIBLE PURPOSE OF CONSUMER REPORT.

AS A CONSUMER REPORTING AGENCY YOU ARE SUPPOSE TO GET WRITTEN INSTRUCTIONS FROM ME STATING THAT IT IS OK FOR YOU TO REPORT ON MY CONSUMER FILE. YOU DID NOT GET PERMISSIBLE PURPOSE FROM ME THE CONSUMER TO REPORT ON MY CREDIT REPORT. 
THE INFORMATION REPORTED ON MY REPORT IS NOT FOLLOWING THE INDUSTRY STANDARD CODE. 
HOW WAS THE INVESTIGATION CONDUCTED? 
PURSUANT TO 15USC 1681A ( E ) INVESTIGATIVE CONSUMER REPORT YOU MUST PROVIDE ME PROOF OF THE INVESTIGATION.

I'm aware of my rights and according to the Fair Credit Reporting Act, I have the right to challenge anything and everything that I'm unsure of. I am demanding that you reinvestigate this account immediately. If you can't provide proof of the reinvestigation, these accounts must be deleted according to 15 USC 1681 i, ( Treatment of Inaccurate or Unverifiable ). 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 promptly delete that item of information from the file of the consumer. The law is very clear as to civil liability and remedy available to me. Furthermore, failure to honor this reinvestigation will lead to you being responsible for {$1000.00} per violation. Thank you for giving this your prompt attention. 

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

hello I am filing a complaint based on transunions inaccurate reporting. I have brought this issue to their attention on a couple of occasions on their non compliance. 

XX/XX/2021 I disputed a collections account XXXX XXXX based on wrong information they are reporting. Wrong Account Type. 

XX/XX/2021 my results were transunion updated the information based on my dispute. this is false they did not update what I had pointed out in my dispute. 

XX/XX/2021 I disputed the same reason and explained why this account is reporting wrong. This account was paid in full in XXXX if this account was paid then this account should not be reporting to be open, this account should be considered closed. I have fulfilled the obligation to pay this debt. if I am correct this may be a violation against the fdcpa and or the fcra. 

XX/XX/2021 I received results once again stating the same information they updated based on my dispute. They did not fix this issue. My updated report they have provided to me still says open account. 

This error is affecting my credit worthiness and defaming my character as not being responsible to pay a debt. this debt has been paid and all these months that have past of them not fixing this simple error and not complying to my request is not fair to me as a consumer. they are in serious violation with the fcra by continuing to report inaccurate information. I have brought it to their attention on multiple occasions and now I am sorry to have to bring it to yours. please help me fix this matter against this credit reporting agency transunion.
Product: Mortgage

I received a mail advertisement from this mortgage company and it does not contain the required non-solicitation opt-out information. Also, I am on the non-solicitation list and just renewed 6 months ago. They are illegally using lists that contain people who have opted out of mail advertising.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$13000.00}
Product: Credit reporting or other personal consumer reports

I've complained about being a victim of identity theft. You must remove any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 Balance : {$11000.00}
Product: Credit reporting or other personal consumer reports

THISS INQUIRIES ISNT MINE. 

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  THE PERSONAL INFORMATION IS INCORRECT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX to get a phone a few months ago and they told me that i have an account with them that is in collections. I have never opened an account with XXXX so i checked my credit report and found out that i was a victim of identity theft and also saw 2 more fraudulent accounts with capital on on my profile. I have been in contact with both companies and they told me that i need to do a FTC Identity theft report in order for the accounts to be removed. I also have been trying to reach out to Experian, XXXX and XXXX and they haven't done anything yet. Please remove these accounts as soon as possible.
Product: Debt collection

Received notice from CFPB that complaint is included in a legal matter. I have not received any documentation or notices from company in regards to any legal matter. I have not received requested documents of debt validation of original contract. This is a third party debt collector that I have no business with past or current. I have not received any notices of any legal matters from this company. I would like for the debt to be removed for failure to provide requested documentation according to the FDCPA
Product: Credit reporting, credit repair services, or other personal consumer reports

The companies response to my previous complaint is completely innacurate. And very irrelevant. They state my extension is for the month of XX/XX/XXXX. Yet I have a signed agreement with them for the month of XXXX. 

also they state that I never provided proof that my vehicle failed inspection. That is innacurate. My vehicle passed inspection from XXXX XXXX as stated in their reply. But it is believed that someone in the shop was paid off to put a sticker on this truck. On the next business day proceeding the passing inspection. I brought it to be re inspected and it failed both safty and emissions AGAIN for the SAME ORIGINAL ISSUES also in their report they mentioned my vehicle doesnt qualify under the lemon law. I NEVER SAID IT DID.

MY VEHICLE DOES NOT QUALIFY UNDER THE LEMON LAW BUT IT DOES QUALIFY UNDER THE LEMON AID LAW MGL CHAPTER 90 section 7n. 

I CAN PROVIDE A COPY OF THE EXTENSION CONTRACT. 

ALSO. MY PAYMENTS WERE NOT LATE IN XX/XX/XXXXAND XX/XX/XXXX. I HAVE PROOF OF PAYMENT
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX   CFPB :  XXXX  Report  XXXX , dated   XXXX   XXXX   XXXX  , fails to list my full-time employment,   XXXX   with the   XXXX   XXXX   XXXX    XXXX   Regional Office , since  XXXX , with the   XXXX   XXXX   XXXX  , my part-time employment,  XXXX  with the  XXXX   XXXX   XXXX ,  XXXX  with the  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Illinois, since  XXXX , with  XXXX   XXXX , Illinois, and does does not provide the Source Documents for the Erroneous Information that I have had a SSN that ended in  XXXX  and that I had an address of  XXXX   XXXX   XXXX ,  XXXX , Illinois. I want my government employments added. I want true copies of the  Source  Documents for the Erroneous SSN and Erroneous Address. I received checks from the National Mortgage Settlement  ( NMS ) an d the Independent Foreclosure  Review ( IFR ) becau se  XXXX  made errors in servicing my ARM Loan  XXXX . Those errors, particularly overcharging me LIBOR, forced me to file for Bankruptcy. As the Bankruptcy was not due to any personal misconduct or negligence of mine, I want the Bankruptcy reference permanently deleted.     Sincerely,  XXXX   XXXX   XXXX ,  XXXX  XXXX  XXXX   XXXX   XXXX   XXXX   XXXX , IL  XXXX
Product: Credit reporting or other personal consumer reports

I am XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX and I am dealing with a really aggressive case. I just received 3 notifications regarding things were added to my report that shouldnt be there. I attempted to dispute the information online but the portal no longer gives me an option to dispute.
Product: Money transfer, virtual currency, or money service

XXXXXXXX XXXX To whom it may concern XXXX I recently sent XXXX to my Fiance on XX/XX/23 she still hasn't received the money as of yet because they claimed she had to verify herself which she did numerous times but Skrill still would not release the funds so we decided to have them return my money back to me Skrill told her they would refund the money back to my account but never did. We have been waiting for my refund for too long so naturally I'm very upset about this kind of service. I have called many times trying to rectify the problem in a civil way so I wouldn't get stressed out from all of this. and was totally disrespected by one of your employees who hung up the phone on me twice and wouldn't let me explain myself so at this point I've had enough and demand a full refund back into my account. because of the disrespect my Fiance after she provided all the information and you never release the funds to her after weeks of this abuse we had it and will be reporting you and this scandalous company as a fraud return all of my money immediately as I am very unhappy with this type of business and have already contacted the XXXX XXXX XXXX about the rude service being hung up on twice by one of your disrespectful employees. If I don't receive my money back soon the next letter you will get from me will be from my attorney. 

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

I am having trouble believing that an investigation was done regarding an account I disputed with the credit bureaus. XXXX put a personal statement on my credit report acknowledging that the account was disputed, but I have yet to receive anything validating this account. The account that I am requesting to be deleted is CONVERGENT OUTSOURCING. I've never had an account with this company. The original creditor is XXXX and I have discussed payment plans. The balance I have with XXXX is not even the correct balance that is showing on my credit report. I am demanding the removal of this account until further investigation is done. Please provide the original contract where it includes CONVERGENT OUTSOURCING as the company to remit payment to. Also inform me of the amount of which the debt was purchased. If you can not provide this information please remove this permanently from my credit report.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : Account Name : 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, and so on.
Product: Bank account or service

Three months ago I file a complaint stating what happen with my TD Bank account where {$200.00} dollars practically disappear from my account. Three weeks after my complaint I received a letter from my local branch manager to talk about how we can fix the issue. It took me one month and a half for him to called me back. Today is been four months since my first complaint and counting. As I stated before on XXXX I try to transfer {$100.00} from my savings to my checking account, I made a mistake and transferred {$100.00} to my savings instead of my checking, it took me just two seconds exactly for my to realize my mistake and fix the problem right away. The next day I saw that my account had insufficient funds and I call customer service to find out why this happen, What I got was an attitude from the representative and no solution to this problem. This is not how banks should deal business, I know they have policies in place to protect their business but XXXX thing is that this bank took the money on fees when I did n't even take that money out of my account.
Product: Money transfer, virtual currency, or money service

On XX/XX/23 I transferred {$1800.00}, via Zelle XXXX XXXX ) based on an e-mail that I received from my XXXX. E-mail was a standard method of communication between us. Per the e-mail I submitted the 50 % down payment to " his accountant '' ( I referenced my XXXX 's name and the project details in the title and memo section with Zelle XXXX. On XX/XX/23 I met with my contractor at the project site. My contractor indicated that someone must have hacked his e-mail account and that he did not send me the e-mail. The history of the e-mails I received shows his valid e-mail address. My contractor filed a police report as did I. 

I immediately called my bank, XXXX, to report the " mislead scam ''. I provided them with all of the information over the phone, including details for them to confirm that this was a " mislead scam ''. I offered to provide additional information, if they needed it. At no point did they ask for additional information. They ultimately rejected my claim indicating that " they processed the Zelle transaction as requested ''. I immediately called XXXX again to provide them with additional information to show " mislead scam ''. They ultimately rejected the second claim under the guise of " they already rejected my initial claim ''. 

I then contacted my XXXX XXXX XXXX and sent him copies of the two police reports and all e-mail correspondence with my contractor 's e-mail address. A few days ago they rejected that claim solely on the basis that there were no longer funds in the receiving bank account ( we all know scammers immediately move the funds ). I initiated more research and found out that Zelle/XXXX XXXX  implemented new procedures regarding " mislead scams '' that XXXX quality for. However, as of today ( XX/XX/23 ), XXXX refuses to get the receiving bank to send the funds back to XXXX. My understanding is that member Banks ' terms of service should have changed that allow for this provision. Yet, XXXX continues to reject my claim. I believe that XXXX committed material misrepresentations to me by saying " they have to reject my claim because there are no longer funds in the receiving bank account ''. 

My contact at XXXX is XXXX XXXX ( XXXX VP Wealth Market Leader, XXXX, XXXX )
Product: Credit reporting or other personal consumer reports

I did not give these complaints permission to check my credit score 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