23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$590.00} XXXX XXXX Balance : {$1400.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$700.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, 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. 

1-XXXX XXXX opened XX/XX/XXXX {$210.00} 2-XXXX XXXX opened XX/XX/XXXX {$420.00} 3-XXXX XXXX opened XX/XX/XXXX {$900.00} 4-XXXXXXXX XXXX opened XX/XX/XXXX {$1000.00} 5XXXX XXXX XXXX XX/XX/XXXX {$10000.00} 6-XXXX XXXX XXXX XXXXXXXX opened XX/XX/XXXX {$530.00} 7XXXX  XXXX opened XX/XX/XXXX {$1600.00} 8XXXXXXXX XXXX  opened XX/XX/XXXX {$520.00} 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 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

I have contacted transunion several times regarding this debt, this case was dismissed by the bankruptcy court on  XXXX / XXXX / 11 . I have also faxed transunion documents from the court showing case was dismissed and they still fail to remove this negative account from the department of Treasury from my credit file showing a debt for over {$6500.00}, the original debt is showing {$3900.00},  XXXX  and  XXXX  removed it and transunion still has this government fine on my credit report.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX DEPT OF EDUCATION/XXXX  Account Number : XXXX DEPT OF EDUCATION/XXXX  Account Number : XXXX DEPT OF EDUCATION/XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Charge offs are considered income and should not be reported on my credit report according to XXXX XXXX XXXX ( XXXX ) and the IRS publication XXXX and XXXX XXXX XXXX. By definition the IRS clearly says a CANCELED DEBT or CHARGE OFF is considered INCOME. The Reporting of this account as a debt is INACCURATE and Unlawful INCOME is a certificate of INDEBTNESS, and the IRS treats the forgiven debt as income. 

XXXX XXXX XXXX XXXX XXXX XXXX are charge off accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX and associates are CANCELED DEBTS, that I have received copy b of my XXXX form.
Product: Credit card or prepaid card

I had sent in a cease and desist letter and notice of dispute
Product: Credit reporting or other personal consumer reports

I mailed TransUnion LLC a letter disputing inaccurate information on my credit report over a month ago and in response I received a letter from TransUnion LLC firm stating the ID I submitted was insufficient to verify my address and identity. Also Transunion LLC state that they do not have a Credit Report for me. 

The identification I submitted is sufficient according to your guidelines and I demand that Transunion LLC examine the enclosed documents more carefully this time. I have also included my original letter for your convenience.
Product: Debt collection

I have NO CONTRACT with this collections agency. Not only have they failed to show me proof otherwise with any documentation bearing my signature, showing the account is being reported accurately. They claimed to have send me out several letters but I have not received any letter at all bearing my signature that I have signed or any copies HIPAA authorization. I am guessing that they are unaware that an itemized document or a printout of a bill does not constitute verification. I feel as though several violations have occurred : Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Product: Credit reporting, credit repair services, or other personal consumer reports

Medical bill originated XXXX with XXXX XXXX. Bill was sent to 3rd party for imaging. That imaging company should have billed insurance. The bill was then sent to a collection agency. The bill was immediately set up, upon notice, on auto renewal payments since XXXX XXXX. XX/XX/XXXX the debit card was renewed and changed. The creditor payment fell into the next month once updated new card information. They received a double payment. They reported my account for the first time as delinquent in XX/XX/XXXX. This bill was not on my credit prior to the month of XX/XX/XXXX. I was told that there was a new law in effect letting them place this on my credit because of the XXXX payment. They are unable to tell me what that law is. I was told it is not their job to tell me. This company is ATG credit. I had excellent credit. This has inflicted derogatory on my credit. Once, I had became aware that insurance did not pay the imaging and sent to ATG I began and have continued to pay. I do not work for the company that I carried the insurance with for this bill to have them fix it. I just want the derogatory information removed. I have been paying this bill. I have copies of bank statements. The company also admitted to me paying it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive recently pulled my Transunion credit report and noticed an account which does not belong to me. Account name XXXXXXXX XXXX  XXXX. I would like this account to be investigated and deleted immediately. This fraud and is damaging my reputation and credit report. Again in result i want this account removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX reported to my credit report without the following: hippa release form with my signature, who verified it, how they verified it, how they store their data, did they get the data from the original collector, proof of statue of limitations, the collectors right to collect in my state, license registered agent or agent of service on it from collection agencies(XXXX XXXX XXXX,  XXXX)   have sent several rounds of letters disputes to Equifax and XXXX they have repeatedly failed to delete these unverified accounts. These unverified accounts they have on file has hurt my ability to obtain credit. Under the FCRA, these unverified accounts must be removed immediately.Attached are responses from the collection agencies showing clearly a HIPPA Violation. They should not possess my medical info unless 100% verified of everything i've repeatedly asked for.XXXX XXXX XXXX  sent me a letter, and in the envelope there was a form with my signature on it with no letter head showing it came from the original furnisher. they are clearly violating my rights.Also attached documents from XXXX showing these same accounts deleted.
Product: Debt collection

I was used as a reference for a personal loan, this person is apparently late on their payments because I continue to receive calls from the loan company asking me to inform person to contact them. I would receive almost daily calls couple months ago until I blocked the company 's number. I then started receiving calls from employees personal phones. I did tell the company twice to stop calling me but today I received yet another call from a personal phone.
Product: Mortgage

Emailed attached document on XX/XX/XXXX. This company is very difficult to communicate with. Did not receive statements XXXX XXXX, called and emailed them numerous times about that. Have filed previous complaint when loan transferred, I was not notified about charges of which I was not previously notified. They required me to contact previous mortgage servicer, and obtain information which I did, and forwarded to them. While I was waiting for their review and explanation, they assessed late charges and someone named XXXX started calling and harassing me about bill collecting.
Product: Checking or savings account

RE : Lost IRA-3yr CD XXXX XXXX XXXX XXXX  [ cert XXXX ] XXXX  XXXX  XXXX XXXX , XXXX XXXX cert XXXX ] Recently I found an uncashed IRA 3yr CD from a bank in XXXX XXXX  opened while I was living there in XXXX. I have unsuccessfully tried to track down my money to no avail. When I moved back to XXXX  in XX/XX/XXXX I was too young to cash in the IRA & the fact that it was a 3yr CD, I didnt want to incur a penalty. I dont think Rollovers were an option back then. Last documented Statement value was {$820.00} as of XX/XX/XXXX. 

Both the Bank I opened the CD at & the Bank listed as the XXXX had been taken over by government receivership in XXXX & XXXX. 

I searched & called their multiple succeeding Institutions ( at least the last two open ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; neither of which have any record of my account nor do they have any records prior to 7 years ago. 

I have searched on the States respective websites & called the Unclaimed Property Departments in XXXX  & XXXX  and found nothing. Recently, I happened to find a memo on my computer from a previous curiosity search of XXXX  Unclaimed Property done in XX/XX/XXXX which I found one unrelated property matching my name, however they determined it was not mine. This also proves this IRA-CD was not listed as unclaimed in XXXX. 

Somehow I was able to submit a message on the FDICs website while searching their unclaimed property. A kind woman called me back from the Claims Department on XX/XX/XXXX. She searched records and found nothing in either of my names. She told me that when " The FED '' takes over a bank the Bank is supposed to notify ALL depositors. I never received any notification from either bank. Had I known I would have taken action. Their motto on the FDIC web site : " No depositor has ever lost a penny of insured deposits since the FDIC was created in XXXX. '' Am I the first?? 

My Social Security number is on this IRA- CD as the Account Number, the IRS has always had my address since I started working in XXXX. If anyone really wanted to find me they could. I have been at my current XXXX  address since XX/XX/XXXX [ had address forwarding at the USPS for previous XXXX  address XXXX ]. 

No succeeding Bank, Federal or State Government Department I have contacted seems to want to find or refund my money. I am at a standstill in this search and could use some help. Bottom line shouldnt the FDIC refund my money since both Banks were FDIC insured? 

Upon Request I can provide copies of : the original IRA-CD Certificate, Bank Statements showing additional deposit on XX/XX/XXXX & interest accrued ; a letters to XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX requesting name change on the IRA ; and XX/XX/XXXX request of beneficiary change. My Attorneys letter regarding divorce & name change. 

I realize this is not a huge amount of money but now that I am a retired XXXX every little bit helps. We all assume our money is protected in an FDIC insured Bank BUT is it and where is it? 

Thank you in advance for any advice or assistance you can provide.
Product: Prepaid card

I have tried to use my American Express gift card to pay for my internet and car insurance. Both transactions were declined. This is very sad for people who are given this card and can not buy or pay bill with this card.
Product: Credit card or prepaid card

On XX/XX/XXXX I received an email from Citi regarding the credit line on my Shop Your Way XXXX had been decreased. The line was decreased from {$20000.00} to {$2000.00}. The letter stated that since I had not used the card in 23 months the decrease was occurring. I did not receive any warning communication that if I didn't use the card the line would be decreased. 
I contacted Shop Your Way MC customer service the morning of XX/XX/XXXX and spoke with XXXX in the Credit Department. She attempted to increase my line back to the original amount of {$20000.00} but the system would only increase the line to {$3000.00}. She said that Citi did not have to notify and they reserved the right to decrease my line at anytime according to my XXXX XXXX. I explained that I do not recall from my original XXXX XXXX signed in XXXX that this was part of the terms. I have requested a copy of my original XXXX to be sent to me. 
I paid off the card several years ago and kept it clear of charges so that I could have the credit available in the event of an emergency. The ability has now been taken away from me. Also, my line being decreased by 90 % will be detrimental to my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly update or delete the following items in my file immediately : XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XX/XX/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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint regarding inaccurate information on my credit report that I reported to Experian on XX/XX/XXXX. Unfortunately, to this date, I have not received any response from Experian regarding the disputed information. I am seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) to address this matter. 
The following are the details of the inaccurate information and the required corrections : 1. ) Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$510.00} The above account was never late, and I request Experian to correct/update this inaccurate information on my credit report. 


XXXX. ) Account Name : XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$450.00} The above account contains inaccurate evidence that is causing prejudice to my credit reputation. The reported balance of {$450.00} does not correspond to the lower amount that I remember. I request Experian to revise the Past Due information, as it is not accurate to present a Past Due amount for a closed account that was charged-off. This account has likely caused a drop in my credit score. I need to reach an agreement with my creditor regarding the incorrect data. I kindly ask Experian to mark this account as disputed to prevent further negative impact on my credit score.

XXXX. ) Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Credit Limit : {$100.00} The above account does not belong to me, and I request Experian to remove it from my credit report. 


XXXX. ) Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$34000.00} The above account does not belong to me, and I request Experian to remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Student Loans totaling {$71000.00} were closed when I started receiving Social Security XXXX. XXXX reopened CLOSED STUDENT LOANS. I am XXXX  XXXX. I have tried to resolve this issue with XXXX. 
I am XXXX years and I have been XXXX XXXX since XXXX. 

My student loans were closed In two parts XX/XX/XXXX, XXXX XXXX XXXX XXXX have harassed me relentlessly calling, send letters and emailing me. 


Attached are copies of closed accounts
Product: Credit card

XX/XX/XXXX - Purchase on PayPal Credit to XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX refunded PayPal Credit {$1000.00} XX/XX/XXXX XXXX XXXX  showed a double refund on my account XX/XX/XXXX - PayPal credit charged me back the extra refund as a PayPal purchase {$1000.00} XXXX XXXX XXXX PayPal ( non credit account ) put a negative {$1000.00} against my account. 
XX/XX/XXXX I spoke numerous time on the phone and by chat to both PayPal Credit ( who blamed XXXX for the oversight ) and PayPal non credit account who kept referring me back to PayPal Credit. 
XX/XX/XXXX I filed a complaint with CFPB against PayPal who responded on XX/XX/XXXX advising the negative balance they put on my account is because PayPal Credit didn't return their refund on behalf of my account. I have nothing to do with your internal funding and refunding of your account holders. Please fix your error
Product: Debt collection

The company called my sister and left a threatening voicemail concerning me. I called and they told me about a balance I supposedly owed but wouldnt give me more information when I asked. They threatened to sue me, garnish my wages and throw me in jail if I refused to pay. I was scared so I updated my address and email and gave them my debit card number because I thought they were legit and paid XXXX on XX/XX/20 the first installment. I XXXX  the number they had left my sister and found out it was a XXXX voice number XXXX. The name XXXX XXXX. Another number they used XXXX. I called my bank to cancel card and flagged the payment. I did not sign the payment authorization they sent me from email address. XXXX XXXX XXXX
Product: Debt collection

I had a debt with Discover card charged off in 2007. The seven years have passed and the debt/collection has been removed from my credit report. Subsequently, today I received a XXXX debt cancellation from discover card. It is my understanding this tactic has received numerous complaints. Additionally, this is old debt. Why did they not issue this over 10 years ago? Please advise. I clicked debt paid because there was not a better selection. The debt was charged off 10 years ago.
Product: Mortgage

On XX/XX/year> I requested a payoff from my mortgage company Shellpoint Mortgage. On XX/XX/XXXX I received the necessary documents for the payoff. That same day, XX/XX/year> a wire was initiated from my account around XXXX. The pay off quote was {$270000.00} and the per diem was {$60.00} so the wire was sent for {$270000.00} to include 2 days of per diem just to be safe. I have done domestic wires in the past so I was aware of typical processing times. I called on XX/XX/XXXX just to check in on things as I had an upcoming payment on XX/XX/XXXX and was worried about being late I was assured I would be fine. Saturday rolled around and no update made to my account. Tuesday XX/XX/XXXX I called my bank just to be sure I wasnt making an error and was assured everything was good to go. Come Wednesday XX/XX/XXXX after several calls with multiple different people, whoever answered the phone used the word missing and stated the money should be reflected already and that my wire was missing and to obtain proof from my bank to ensure there was no error. He then asked me to repeat the wire instructions to him to make sure all was correct.he confirmed it was. I immediately called my bank. They provided me with the federal reserve tracking number and stated that per this federal tracking number my money was received by my mortgage company DAYS AGO. I have been given a different answer every single time I call my company about where my money is and what is going on with my money. All calls are recorded so I know the call where I was told my money was missing is recorded. After doing further research it is not uncommon for money to go missing with this company and people have had to bring counsel in to get their money where it needs to be. I am now 10 days away from a late payment being reported on my credit and 8 days since I sent a wire to pay off my mortgage.
Product: Credit reporting

original debt owed to XXXX XXXX visa. 
over 7 years have passed, debt was charged off over a year ago. 
However, XXXX funding continues to report account as open and debt due.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX 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 an account without my written instructions.
Product: Debt collection

This debt collector engaged in abusive deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon, and I didnt sign an agreement on. A legal contact signed by two parties, and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make these unfair practices. According to the FDPA Im entitled to XXXX dollars per violation and clearly, they violated my rights.
Product: Credit reporting, credit repair services, 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 XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX XXXX Account Number : XXXX XXXX5 U.S.C. 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 1681 section 604 A Section 2 : Its 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 then 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