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

THE COMPANY IS IN VIOLATION OF 15 U.S CODE 1681E ( B ) BY CONTINUOUSLY REPORT INACCURATE INFORMATION ON THE FOLLOWING ACCOUNTS. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I'VE SUBMITTED MULTIPLE DISPUTES AND SOMEHOW THIS INFORMATION REMAINS UNCHANGED. IN ACCORDANCE TO 15 U.S.CODE 1681E ( B ) - WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT, IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION CONCERNING THE CONSUMER WHO THE REPORT RELATES. IT IS APPARENT THAT THE COMPANY HAVE FAILED TO PROPERLY VERIFY THE INFORMATION THAT I'VE PREVIOUSLY DISPUTED.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS CREDIT REPORTING COMPANY HAS REFUSED TO ABIDE BY THE CONSUMER LAWS. HERE ARE THE VIOLATIONS 15 USC 1681i ( a ) ( 4 ) Under the FCRA15 U.S Code 1681 ( a ) ( 4 ) I am a federally protected consumer and I have the right to privacy. Ignoring this law is in direct VIOLATION of MY PRIVACY of 15 USC 1681 and all its subsections.

15 USC 1681i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any Item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and records the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30 days beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 USC 1681i ( 6 ) ( B ) ( iii ) A notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, 15 USC 1681b ( a ) ( 2 ) clearly states that Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I REALLY NEED THE CFPB TO HOLD ALL PARTIES ACCOUNTABLE FOR IGNORING THE REQUEST OF THE CONSUMER. ALL ENTITIES ARE CONTINUING TO IGNORE WHAT IS PUT IN FRONT OF THEM. 
I ASKED FOR CONTRACTUAL LEGAL DOCUMENTS BETWEEN THE CONSUMER AND THE CREDITOR TO BE SENT TO PROVE THAT THE ALLEGED ACCOUNTS ARE INDEED THE CLAIMANT. THIS INFORMATION HAS YET TO BE SENT AND THE CREDITORS AND THE CRA ARE WORKING IN CONJUNCTION BY NOT ABIDING BY THE CONSUMER 'S LAWS AND SUBMITTING THE PROOF NEEDED TO CONTINUE TO REPORTING INFORMATION THAT IS INCORRECT. 
IF THERE ARE NOT 2 SIGNATURES ON A LEGALLY BINDING DOCUMENT THEN THERE IS NO CONTRACT SO IF THERE IS NO CONTRACT WHY ARE THERE ACCOUNTS BEING REPORTED? SEND ME LEGAL DOCUMENTS THAT HAVE BOTH THE CONSUMER AND THE CREDITOR 'S SIGNATURES OR ELSE REMOVE THE ACCOUNT FROM THE REPORT. PRINT-OFFS FROM AN ALLEGED ACCOUNT ARE NOT A LEGAL CONTRACT. PRODUCE IT OR REMOVE IT!!!!! 

15 USC 1681b ( a ) ( 2 ) clearly states that Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
PLEASE SHOW THE CLAIMANT THAT THERE WAS A WRITTEN DOCUMENT STATING THAT ANYTHING CAN BE FURNISHED. THERE IS NOT ; SO WHY ARE THEY BLATANTLY IGNORING THE LAWS? 
I HAVE SUBMITTED AT LEAST 3 TIMES OF THE VIOLATION OF THE CRA AND NOTHING HAS BEEN DONE ABOUT IT
Product: Debt collection

It was on XX/XX/2009 I take a student loan to go back to school the school closed by the board education .this my responsible to pay the loan. In my request as many times explain to Depted Nelnet to help me resolved his situation. And keep going up in credit reporting. 
Please wanted help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor, XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights under 15 USC 1681 section 602 states i have the right to privacy. 15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC1666b a creditor may not treat a payment on a credit card account under an open end cosumer credit as late for ANY purpose.
Product: Credit card or prepaid card

I was incarcerated and a credit card from capital one was opened in my name m. Tried to have it removed numerous times. Was incarcerated from XX/XX/XXXX to XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an installment loan that is being reported as an open account when it is a closed account. It is also reporting late payments even though there aren't any payments to be made. 
original Creditor- XXXX XXXX XXXX XXXX
Product: Credit card

I paid an advance payment of {$500.00}. just to pay down my balance, then noticed that it said pmtonhold. I called them and they said they do this to protect themselves from my bank rescinding the payment. They hold the payment for 7 days. I said this had not been done ever, and was not acceptable. I paid it down so I would have credit available for other things. They said this might be done for 3 to 6 months before it would be off my record. This started when I inadvertently paid {$1000.00} pmt twice by accident, but my bank caught it. Said they would recall it from Barclay. I had accidentally paid it on XX/XX/XXXX & XX/XX/XXXX. I 've talked to everyone, but they say once it goes into their system, it ca n't be reversed & they ca n't tell me how long it will remain on my account. I pay a payment 2 or 3 or 4 times monthly so that I keep my balance down and have more credit to use. I want my points. 
This is NOT SATISFACTORY to me. I am human and made an honest mistake. 
They say they ca n't rely on my bank not to recall another pmt. so they are protecting themselves. I ca n't send them {$1000.00} so they will hold it 7 days before I can use it. I told them I thought this was illegal. 
Please help me get this hold removed off my account Thank you/ XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not authorize these inquiries, and they are not applicable to me. I request their immediate removal from my credit report.
Product: Credit card or prepaid card

XX/XX/XXXX around XXXX at Sam 's club store on XXXX XXXX in XXXX Colorado. When I was checking out at self check I was approached by an employee from the store and he said that he wants to scan my membership card to verify the address and name is correct. I let him do that he then started clicking on some boxes and answering questions on the screen of a check out. he said he will give me {$30.00} to verify all my information and asked me to input my social security number into the keypad at the checkout. he then proceeded to click on some more things on the screen and then all of a sudden he told me the card is going to come in the mail. I asked him what card and he said it was a credit card. He never asked if I wanted the credit card because I do not want a credit card from that store. He never said the information I'm giving him is going to be used to apply for a credit card so he fraudulently used my information to apply for a Sam 's credit card without telling me or asking me! when I left the store and started processing what has just happened and try to call the store to talk to a manager, a manager was not available. Team lead said the manager will call me back, the manager never called me back. The teamlead said that they know that this is happening and that the employee should not be doing that however they never tried to fix the situation or stop it from happening again!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft. I filed a FTC identity theft report on XX/XX/2020. I mailed the documents to Experian on XX/XX/2020 certified mail return receipt requested, tracking XXXX. Listed was the fraudulent accounts with personal information as well. On XX/XX/2020 and XX/XX/2020, the disputes have concluded and accounts remained that were disputed. Those accounts included XXXX XXXX  XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX  and XXXX XXXX  XXXX NJ XXXX. I have a hard time seeing these accounts being verified as I have reached out to the companies individually by mail on XX/XX/2020 and have only received bills. No actual contract that would verify these accounts as accurate. 

I submitted a second request for verification on XX/XX/2020 of these accounts and they were again verified as accurate. Certified mail receipts attached. 

Submitted a third request on XX/XX/2020 and again verified as accurate. Certified mail receipts attached. 

A fourth and final request is being sent certified mail today to Experian before litigation against these fraudulent accounts as they are damaging my credit worthiness. I am requesting that they promptly be deleted or verified with documentation.
Product: Credit card or prepaid card

On Monday XXXX XX/XX/2022 I received a letter from Comenity Bank in relation to my earlier complaint XXXX. Apparently this is their response to that complaint. They are informing me that my bank returned a recent payment which was then added to the total account balance along with a return payment fee. This letter I received which is dated XXXX XX/XX/2022 comes after XXXX XXXX informed me my issue had been resolved. I will attach an image of that bank 's correspondence. I am beginning to suspect the company of a deliberate attempt at fraud. Lastly I wish to indicate that they told me they would update the following credit bureaus with their findings : XXXX, XXXX, XXXX, XXXX XXXX XXXX. So I accuse them of some manner of fraud because they are further trying to ruin my credit score.
Product: Credit card or prepaid card

There was an error with my payment account and now my account has been closed when I've been a good customer. 
I'm very upset about the status of my account and how it's been handle by your company. I explained to the Rep I don't remember making an {$11.00} payment from the wrong checking account and you'll see that a {$50.00} payment was made the day before that cleared. It could have very well been human error, but again this is not good business. Again I've been a good customer for over 2 years and to penalize me for an erroneous {$11.00} payment with no warning is predatory to say the least. 
Lowe 's Credit Services XXXX XXXX XXXX XXXX, FL XXXX
Product: Checking or savings account

XX/XX/2022 bought designer sunglasses from vendor on XXXX paid XXXX from checking account Never received the product XX/XX/2022 asked the money to be sent back to me. Seller did not respond XX/XX/2022 filed a claim my bank the case was closed and I was not able to receive my money back.
Product: Credit reporting or other personal consumer reports

I've been experiencing difficulty accessing my Experian account and haven't been able to resolve it through their customer service channels. I've attempted to resolve the issue directly with Experian by calling their Consumer Assistance line there but have been unsuccessful in getting assistance or getting a specialist on the line. I am in the process of trying to purchase a home for my family and need immediate access to resolve additional issues from my credit report.

Whenever I login, it says " The username or password you entered is incorrect ''.

I proceed to do the " forget my password ''. Then I entered my phone number connected to my account to receive a verification code. I keep getting an error message stating, " This number doesn't match our records, please try again ''. I've had my number XXXX for years and used it to access my account previously. But for some reason I'm not able to now.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up complaint to complaint number XXXX and XXXX. Amex is claiming that the account has a balance but that not true! 
As already expected and also read in reviews and on XXXX pages, Amex lied about the fact that those accounts werent paid of. In a letter to you and me on the above complaint numbers, Amex stated that my account ending in XXXX was not settled and had a balance. As indicated in the above complaints, that account was settled almost a year ago. Not only do I have a letter of satisfactory from their collection agency XXXX XXXX XXXX, here I have attached a copy of the checks sent to them and more important their confirmation that they got the money. So it would be interesting to see how Amex is going to explain that. Please refer to the above mentioned complaints. Reading through the internet, people are saying after showing this Amex will say they never got and they will check with their collection agency and will then comeback to apologize, so lets see.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Accounts : XXXX & XXXX {$530.00} XXXX XXXX XXXX {$530.00} XXXX XXXX- {$30000.00} XXXX XXXX XXXX- {$20000.00} XXXX XXXX- {$9100.00} XXXX XXXXXXXX XXXX XXXX- {$14000.00} XXXX XXXX XXXX XXXX- {$2100.00} Inquiries : Transunion XXXX ( Construction ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 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 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 a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 

This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts about their accuracy the reported payment history of this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 800 LOANMART XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I was notified by Department of Ed ( XXXX sent them information ) that I was receiving a forgiveness for student loan from XXXX and Navient because I have been getting a XXXX payment of {$560.00} p/mo for a number of years due to XXXX. 

While XXXX canceled my payment and refunded my money sent to them since XXXX 2017, Navient did not and continues to bill and acrue interest with no acknowledgement of any kind. I did list them on the sheet from Department of Ed because it is a FFELP student loan. 

I hope you can help me with this dilemma because this loan is climbing much higher instead of decreasing and I can not work.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, XXXX protected consumer, rights under the Fair Credit Reporting Act has been continuously violated by EQUIFAX , INC . I've tried countless times in the private via certified mail to get EQUIFAX, XXXX to apply the reasonable procedures that the title has 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 the title. 

please see attached document.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following ( XXXX, XXXX, TransUnion ) credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below ; Due to their errors in reporting Im reporting these violations. The first being with the FDICs XXXX XXXX XXXX XXXX XXXX and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The CRA has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw these accounts from my personal file. ( XXXX XXXX XXXX  XXXX XXXX XXXX Date opened XX/XX/2009 Balance {$1100.00} ).
Product: Credit reporting or other personal consumer reports

Hello, This account was charged off on the following date ( XXXX, 2017 ) Since then this account has repeatedly been updated as charged off EVERY month. This shows an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statue of limitations. There are other discrepancies reporting on this account also but this is just one of them. 
You have failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

RESURGENT RECEIVABLES LLC keep reporting this collection account on my consumer report for your own personal financial gain. I do not owe nor do I have a contract with Resurgent Capital Services L.P. collection agency. Per 15 U.S. Code 6802 ( e ) ( 2 ) prohibit the disclosure of nonpublic personal information
Product: Credit card or prepaid card

My brother passed away on XX/XX/2022 without a will. I have been appointed Administrator of his Estate. I found a Key Bank debit card and took it to a local branch in XXXX, WA. I was informed there was no account attached to this card and it was issued by WA State XXXX XXXX  and I should contact Unemployment which I did. The agent also said I should contact the Customer Service number on the back of the debit card. I went to the local XXXX office and they said it didnt have anything to do with them. 

I called the Customer Service number 4 times and spent a total of 6.5 hours waiting to talk to someone which didnt happen. I went back to Key Bank 2 more times and tried talking to a manager, with an appointment but was skunked. They said the same thing, I had to talk to customer service. 

At one point, I was able to find out the funds on this card but it expired at the end of XXXX. My partner called a number he found and talked to a Key Bank agent in New York that told him no one was answering the Customer Service number any longer and I found out Employment Security doesnt use Key Bank any longer for the debit cards. 

I have talked to XXXX XXXX close to a dozen times. I was given an email address a couple of days ago by an agent to again try to contact Key Bank to resolve this issue but the outcome is unknown. A Key Bank agent from XXXX OH called me a week ago to tell me a Regulator would be contacting me as I filed a complaint with Key Bank but I havent heard from them. Key Bank is negligent, I believe in this matter and I am filing a formal complaint.
Product: Credit reporting or other personal consumer reports

Recently I looked a copy of my credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure accuracy Here is the Item I am asking you to verify as accurate XXXX XXXX  ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I, am familiar with the facts recited below ; and hereby declare under penalty of perjury that : I, XXXX : XXXX am a living woman, divinely created by the All Mighty Creator, created in his image, to have a divine experience in the Jurisdiction he created and lawful constitutional rights to privacy. As living beings we do know and defend our unalienable rights at all points in time, and are willing to express those rights if need be.

15 USC 1681 ( a ) ( 1 ) ( 2 ( 3 ) ( 4 ) - Congress makes the following findings ; 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 15 USC 1681a ( d ) ( 1 ) ( 2 ) ( A ) ( i ) - Exclusions- report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 6802 ( a ) ( b ) ( 1 ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information.

I have tried for several months to resolve the inaccuracies and non-disclosure information reporting on my consumer report without my consent. I am a victim of XXXX XXXX breach and XXXX has purposely ignored my complaint of inaccurate reporting with sending me computerized responses and continuously furnishing inaccurate information violating my rights to privacy and the FCRA. XXXX inaccurate reporting has caused me financial stress by defaming my financial reputation and slandering my character to utilize my credit.
Product: Credit reporting or other personal consumer reports

Transunion is illegally reporting various negative accounts to my consumer credit report. The following negative accounts are as follows. 

XXXX XXXX XXXX XXXX account is posted reflecting late payments and is listed as closed account for the amount of {$2100.00} since XXXX of XXXX XXXX XXXX account is being reported as a charge off for the amount of {$1300.00} since XX/XX/XXXXXXXX XXXX XXXX  account is listed as charge off for the amount of {$570.00}, since XX/XX/XXXX XXXX XXXX account is reported with late payments and as a charge off for the amount of {$330.00} since XX/XX/XXXX XXXX XXXX XXXX account is being reported as a charge-off for the amount of {$78.00} since XX/XX/XXXX XXXX XXXX - XXXX is being reported as closed for the amount of {$3000.00} XXXX XXXX XXXX account is being reported as a charge-off for the amount of {$81.00} XXXX XXXX XXXX XXXX account is being reported with late payments since XX/XX/XXXX XXXX XXXX XXXX XXXX is being reported as a charge-off and collection for the amount of {$680.00} All of the aforementioned accounts are derogatory on my credit report and illegally posted according to 15 USC 1681a and 15 USC 1692, as I did not consent to any of the accounts being posted, nor do I have any knowledge of the balances or origins of the accounts. 

As a result of these negative accounts on my credit report I have repeatedly experienced adverse action and been unable to access extensions of my credit.